Frozen Pipes in Wisconsin: How to Prevent Damage and What to Do If It Happens

Few winter problems escalate faster (or cost more) than frozen pipes. In Wisconsin, prolonged cold snaps and sub-zero temperatures make frozen pipe damage one of the most common winter insurance claims homeowners face.

The good news? Many frozen pipe losses are preventable, and quick action can significantly reduce damage if a pipe does freeze.

Why Frozen Pipes Are Such a Big Risk in Wisconsin

When temperatures drop below freezing, water inside pipes can expand, creating pressure that causes pipes to crack or burst. This often happens in:

• Basements and crawl spaces
• Exterior walls
• Attics and garages
• Under kitchen or bathroom sinks on outside walls

Once a pipe bursts, water can spread quickly—damaging floors, walls, insulation, and personal belongings.

How to Prevent Frozen Pipes Before Cold Weather Hits

Preparation is the most effective defense. Before even colder weather sets in, take these preventative steps:

• Keep your thermostat set to 60°F or higher, even when you’re away
• Insulate exposed pipes in basements, crawl spaces, and attics
• Seal gaps and cracks where cold air can enter near plumbing
• Open cabinet doors under sinks to allow warm air circulation
• Disconnect garden hoses and shut off exterior water lines
• Have someone check on your home if you’ll be away for an extended time

These simple actions can dramatically reduce the risk of frozen pipes and costly water damage.

What to Do If a Pipe Freezes

If you suspect a pipe is frozen but hasn’t burst yet:

• Turn on the faucet to relieve pressure
• Apply gentle heat using a hair dryer or space heater (never an open flame)
• Keep nearby cabinets open to allow warm air in
• Continue heating until water flow returns

If you’re unable to thaw the pipe safely, contact a licensed plumber right away.

If a Pipe Bursts: Act Fast

Once a pipe bursts, time is critical. Take these steps immediately:

1. Shut off the main water supply
2. Turn off electricity in affected areas if water is present
3. Document the damage with photos and videos
4. Prevent further damage by removing standing water and using fans if safe
5. Contact your insurance agent as soon as possible
6. Hire licensed professionals for cleanup and repairs

Quick action can help reduce the severity of damage and streamline the claims process.

Know What Your Policy Covers

Most homeowners policies cover damage caused by sudden pipe bursts—but coverage details can vary. It’s important to understand:

• Whether damage from frozen pipes is covered if the home was unoccupied
• What documentation is required during a claim
• Whether water damage limits or exclusions apply
• If preventative measures are required under your policy

A quick policy review before winter can clarify expectations and help avoid denied claims.

Our Final Thoughts

Frozen pipes are one of Wisconsin winter’s most expensive and stressful surprises—but they don’t have to be. With the right preparation, quick response, and proper coverage, you can protect your home and your finances when temperatures drop.

If you’re unsure whether your home is adequately protected or want help reviewing your coverage, your local insurance agent can help you prepare before the next cold snap hits.

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