’Cold weather can lead to pipes freezing and bursting,’ says senior policy adviser
The ABI has warned of the financial and physical toll on frozen and burst pipes as cold weather hits.
Amber warnings were in force across the first weekend of January, with snow and freezing temperatures being seen in various parts of the UK.
The ABI said damage and disruption from frozen and burst pipes can be significant, with it highlighting that insurers settled roughly 12,000 weather-related claims for burst pipes in 2023.
The trade body also revealed that the average claim for this type of incident exceeded £17,000.
Escape of water
Incidents can occur because sub-zero conditions can freeze the water in pipes, causing them to expand and eventually split from the pressure.
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Escape of water was also a significant issue for both residential and commercial buildings in 2022, according to the ABI, with a total of £987m worth of claims made across the year, a 15% increase over 2021.
In November 2023, insurer Zurich UK also warned that homeowners could face damage costs of up to £12,791 if frozen pipes lead to escape of water in their home.
The ABI is urging homeowners to take preventative measures, such as insulating pipes and ensuring properties are adequately heated during cold snaps, to mitigate potential damage.
Louise Clark, ABI senior policy adviser for general insurance, said: “Cold weather can lead to pipes freezing and bursting and while insurance can protect against the damage caused, it can’t compensate for the stress and misery.
“Simple steps such as using draught excluders around doors or putting your thermostat on an anti-frost setting can help keep your home warm.”
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