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Tips on How to Handle Frozen Pipes

illustration of cracked pipes with water leak

Has your home or business fallen victim to fire peril? United Public Adjusters is on your side. Fires are devastating losses, whether to your home or business and can stem from a variety of sources including; electric space heaters, an overloaded electrical system, frayed extension cords, dry Christmas trees, ungrounded homes, unattended candles, faulty appliances, spontaneous combustion, dirty rags, lightning strike, smoking (cigarettes), flammable chemicals, wildfire – embers and WORSE- ARSON.

When fires occur, they can make yo

Tips on How to Handle Frozen Pipes

Did you know that a 1/8-ch rack in a pipe can spew up to 250 gallons of water a day, causing significant structural damage to property?

With today’s temperatures hitting single digits – homeowners and business owners are faced with the nightmare of frozen pipes! When water freezes, it expands by about 9%, causing an increase in pipe pressure, which can lead to pipes cracking or bursting. Policyholders can take some precautions to prevent frozen pipes, including:

  • Stabilize your thermostat by setting the same temperature day and night
  • Disconnect outside sprinkler hoses
  • Open cabinet doors to let heat in
  • Seal leaks with caulk or insulation
  • Insulate pipes

My Pipes FROZE, Now What?!

The above are all great tips for prevention, but what happens if you’re one of the unfortunate property owners who face a burst pipe. In many cases, the burst pipe will send ice and freezing cold water into surrounding material such as drywall; which can get expensive. First and foremost, turn off your water supply immediately to prevent additional damage. Next, ensure to call a water restoration company who will have the necessary equipment to dry and minimize further damage.

Does Your Homeowner’s Policy Cover Frozen Pipe Damage?

The best way to gauge is to look over your policy. Assuming that you maintain heat in your home and shut off the water supply when your home is unoccupied, the policy should cover the pipe burst as a “sudden and accidental” discharge of water from a plumbing source.

Not Sure What To Do NEXT?

No worries. Give a public adjuster such as United Public Adjusters and Appraisers a call! Our team of experts is well versed in policy language and construction – to help you navigate through the complexity of claim submission, negotiation and settlement.

We Represent YOU, Not The Insurance Company!

While many residential and commercial property owners are not aware of what a Public Adjuster is, education is key when negotiating and preparing a claim for damages with your respective insurance company. We ONLY Represents the Policyholder, NOT the insurance company! Don’t let the insurance company intimidate you out of a QUICK and FAIR settlement.

Call Us BEFORE The Insurance Company! United negotiated over $100 million in settlements nationwide; we know what we’re doing. We only get paid if we settle the claim, you’ve got nothing to lose.


We have offices in NYC, Long Island, California and can be reached at 718-641-5677 (LOSS) or 866-577-3661 (LOSS)

u feel violated and enormously frustrated. Your whole life is turned upside down. Even if everyone gets out safely, an overwhelming task is added to your to-do list. The fire itself is chaotic but other elements such as char, soot, ensuing water damages, structural damages, and deodorization make handling property insurance claims a nightmare! After your property has been affected by the disastrous result of fire, the last thing you need is more stress on your mind. Our team of licensed and bonded public adjusters will work to advocate and negotiate all claims pertaining to property damage and associated loss caused by fire.

Insurance companies develop complex claims for a reason – they are only concerned with protecting their interest. When a fire disaster strikes, they recognize the vulnerability that comes along with it. With a public adjuster, we ensure insurance companies do not take advantage of our clients. Since each of our public adjusters are professionals, skilled in handling insurance claims, we’ll advocate on your behalf.


While a public adjuster can’t undo the fire, they can step into your shoes and take over dealing with the insurance company. We’ll make sure you receive the maximum amount possible from your claim. Our expertise in appropriately valuing your building and its contents ensures your claim is presented in the best possible light.

Fire damage claims are complex. Have you thought about the value of your clothing, furniture, art, and jewelry? If the fire was in your business, what is the loss of revenue covered under business continuity coverage? If your fire was in a historical building or one with specific architectural significance, do you have the expertise to demonstrate the cost to replace specific features, custom millwork, or hardwoods?

You have enough on your plate. If the fire damaged your home, you may have to buy every member of your family new clothes, find a place to live and replace the basic essentials you need to live each day. The simple act of cooking a meal can be an emotional experience as you mourn the loss of your favorite porcelain plates, the ones your grandmother gave you when you got married and have used every day since. You need someone on your side to handle the insurance claim so you have time to recreate your life.

If your business was impacted by a fire, you are busy letting your customers know your new location (once you find one) and working to keep it a going concern. If the fire was in a rental property you owned, you’re concerned about maintaining your reputation with potential future tenants. The insurance company has an adjuster on their side whose goal is to minimize your claim. A public adjuster has the expertise to increase the amount you’re paid for the claim and allow you to move forward with your life.

We understand how devastating fire damage can be on a person’s home or business. Allow us to ease some of your stress. We’ll get your property the compensation it deserves, no matter how disastrous the flames.


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