Houston Winters and Burst Pipes: Is Your Home Covered?

While Houston may not experience the harsh winters of northern states, sudden cold snaps can still wreak havoc on homes. Burst pipes are a common issue during freezing temperatures, leading to costly water damage. If you’re wondering whether flood insurance covers this type of damage, it’s important to understand the differences between flood insurance and homeowners insurance, and how they work together to protect your property.

What Causes Burst Pipes in Houston?

Houston’s mild winters can make homeowners underestimate the risk of freezing pipes. However, when temperatures drop unexpectedly, water inside pipes can freeze and expand, causing the pipes to crack or burst. The resulting water damage can affect walls, floors, and even your foundation, leaving you with expensive repairs.

Does Flood Insurance Cover Burst Pipes?

Flood insurance is designed to cover water damage caused by external flooding events, such as heavy rains or overflowing rivers. Unfortunately, damage from burst pipes is typically not covered under flood insurance policies. Instead, homeowners insurance often provides coverage for water damage caused by plumbing issues, including burst pipes. It’s essential to review your policy to ensure you have adequate protection.

Protecting Your Houston Home

For homeowners in Houston, Avalon Insurance Agency, LLC offers comprehensive insurance solutions to safeguard your property. While flood insurance is crucial for external flooding risks, pairing it with a robust homeowners insurance policy ensures you’re covered for internal issues like burst pipes. Don’t wait until disaster strikes—make sure your home is protected from every angle.

Ready to learn more? Visit Avalon Insurance Agency, LLC today to explore flood and homeowners insurance options for Houston residents.