Frozen Pipes: A Winter Risk Businesses Can’t Ignore

Winter weather isn’t just inconvenient—it can be expensive. From heavy snow and freezing rain to sub-zero temperatures, winter storms can cause serious damage to commercial properties. In fact, frozen and burst pipes are one of the most common and costly commercial property claims during winter.

And here’s the kicker: every state has experienced below-freezing temperatures in recent years. No one is immune.

When pipes freeze, repairs can cost thousands—and the downtime, water damage, and lost operations can cost even more. That’s why preparation matters.

Why Do Pipes Freeze?

Pipes are most likely to freeze when temperatures drop below 20°F, especially when combined with:

• No water movement – Pipes with standing water freeze faster
• Poor insulation – Exposed or unprotected pipes lose heat quickly
• Cold areas – Basements, crawl spaces, and unused areas are high-risk areas

What Happens When Pipes Freeze?

When water freezes, it expands—building pressure inside the pipe until it bursts. The result?

• No running water
• Major water damage
• Destroyed equipment and documents
• Business interruptions
• Costly repairs and insurance claims

It’s a headache no business wants in the middle of winter.

6 Smart Ways to Prevent Frozen Pipes

1. Insulate properly

Protect walls, ceilings, basements, and any pipes near exterior walls. Seal gaps and add weatherstripping to doors and windows.

2. Inspect risk areas

Regular inspections help catch weak spots early. Cold zones should be identified and protected before winter hits.

3. Keep heat consistent

Maintain indoor temperatures above 55°F, especially overnight or when the building is unoccupied.

4. Use smart technology

Leak detection sensors, temperature monitors, and automatic water shut-off systems can catch problems before they become disasters.

5. Prepare for power outages

Backup power helps keep heat running when winter storms knock electricity out.

6. Educate your team

Make sure employees know how to spot warning signs and shut off the main water supply in an emergency.

Protect Your Property Before Winter Does the Damage

Frozen pipes don’t just damage buildings—they disrupt businesses. A little planning now can save you from major losses later.

Not sure if your insurance fully covers water damage or frozen pipes?

Call Klinger Insurance Group at 301-428-4935 for a coverage review and make sure your business is protected before the next freeze hits.

Don’t wait for a burst pipe to find out you’re underinsured. Stay prepared. Stay protected.