Safeguarding Your Home from Freezing Temperatures In Texas: How A Public Adjuster Can Help You

| Ryan Faber


  • The Texas Department of Insurance reported that over 500,000 claims were filed as a result of the last major freeze event to hit Texas, causing over $10 Billion in damages for real estate owners.
  • You can take immediate steps to safeguard your home such as insulating exterior faucets, dripping your faucets, keeping your heat set above 55 degrees, and sealing gaps and cracks near pipes.
  • Aside from damage to your home's structure, water claims from burst pipes often cause irreversible damage to the contents within your home.
  • A 2022 Case Study found that water claims handled by the Public Adjusters at True View Commercial saw an average claim increase of 163%.



As winter's chill settles in throughout the Dallas, Texas Metroplex the risk of frozen pipes and subsequent water damage to homes in Texas becomes increasingly concerning. For some residents of North Texas, the shock of dealing with frozen and burst water pipes from the 2021 winter storms resurfaces whenever temperatures dip below freezing.

From 2021 to 2023 True View Commercial successfully assisted North Texas homeowners and businesses in settling millions of dollars in insurance claim proceeds from burst water pipe claims. Employing a qualified Public Adjuster will reduce your claim settlement time, reduce your stress, and maximize the financial recovery from your claim. Additionally, the Public Adjusters at True View Commercial will communicate with your insurance company and contractors to ensure that you receive everything you're entitled to. The added value of a Public Adjuster when dealing with a water claim can mean all the difference to you and your family during a tragic and stressful event. A recent case study conducted on settlement values achieved by True View Commercial revealed that our adjusters added an average of 163% to insurance carriers initial settlements for frozen pipe water claims.

Understanding the magnitude of these cold weather risks, their financial implications for policyholders, and the potential impacts on your home’s structure and your contents is crucial. At True View Commercial, we're dedicated to providing insights and guidance to protect your property, whether your primary residence or your commercial property.


The Texas Department of Insurance reported that over 500,000 claims were filed as a result of the last major freeze event to hit Texas. Additionally, it has been estimated that total damages resulted in over $10 Billion for commercial and residential real estate owners. Statistics reveal the significant financial impacts and widespread damage that can occur from freeze-related pipe breaks. However, it is best to have a plan to reduce the possibility of having to deal with frozen water pipes and subsequent bursts.

Fortunately, there are a few steps that you can take to help reduce your likelihood of experiencing a frozen pipe during the short period of time in Dallas/Ft. Worth when temperatures dip below freezing.


As the winter season settles in, it's crucial to take proactive steps to protect your home from potential damage caused by the cold weather, particularly in safeguarding against pipe breaks.

Here are a few quick tips to help you safeguard your property:

  1. Insulate Pipes: Ensure that any exposed pipes, especially those in unheated areas, are properly insulated. This includes pipes in attics, basements, and exterior walls. This can be as simple as placing insulating caps over your exterior faucets/hose bibs.
  2. Drip Faucets: When temperatures plummet, allow faucets connected to exposed pipes to drip slightly. This alleviates pressure in the pipes, reducing the risk of them bursting.
  3. Keep Heating On: Maintain a consistent temperature in your home, even when you're away. Keeping the thermostat set above 55°F (13°C) can prevent pipes from freezing. Did you know that your insurance company requires that you keep your heat on and do your best to keep that home at 55°F (13°C)?
  4. Seal Leaks: Inspect and seal any gaps or cracks around doors, windows, and where pipes enter your home. This helps keep cold air out and warm air in.


In the unfortunate event of a pipe break or any damage to your property due to freezing temperatures, remember these crucial steps:

  1. Turn Off Water: Shut off the main water supply immediately to prevent further flooding or damage.
  2. Call Us: Reach out to our team promptly. We're here to assist you through the claims process and offer guidance on the necessary steps to take.


Water damage resulting from frozen pipes extends beyond mere inconvenience. It can severely impact your home's structure.

Structural Damage from Water Intrusion:

  • Drywall Damage: Saturated drywall can weaken and deteriorate, requiring replacement.
  • Floor Damage: Wooden floors can warp or become discolored due to water exposure.
  • Cabinet Damage: Water can cause swelling or warping in cabinets, necessitating repairs or replacements.
  • Insulation Damage: Wet insulation loses effectiveness and might need replacing to maintain energy efficiency.
  • Electrical Wiring Damage: Water exposure can compromise electrical systems, posing safety risks and requiring professional inspection and repair.

Microbial Growth Concerns:

The aftermath of water damage brings forth another concern: the potential for microbial growth. Mold and mildew thrive in moist environments, posing health risks and further damaging the property. Timely mitigation and proper drying are crucial to prevent microbial infestation.

Impact on Home Contents:

Water damage doesn't spare the contents of your home either. Water claims often include a large amount of non-salvageable contents damage to your personal property.

  • Furniture: Upholstered furniture can absorb moisture, leading to stains, odors, and potential mold growth.
  • Electronics: Water exposure can irreparably damage electronics, causing short circuits or malfunction.
  • Personal Belongings: Clothing, documents, and sentimental items are susceptible to water damage, necessitating careful drying and restoration.


When faced with freeze-related water damage, navigating insurance claims can be complex. Contractors might offer assistance, but they're limited in negotiating insurance settlements. In Texas, it is prohibited by law for a contractor to negotiate and settle an insurance claim on your behalf. However, engaging a licensed public insurance adjuster like True View Commercial can make a significant difference.

Our team specializes in advocating for policyholders, negotiating fair settlements, and guiding you through the intricate process of insurance claims. From assessing structural damage to evaluating the impact on your belongings, we ensure comprehensive representation to maximize your claim. The risks associated with freezing temperatures and subsequent pipe breaks are substantial, both structurally and in terms of the contents of your home. Engaging professional help is crucial to ensure a thorough assessment and fair settlement from your insurance carrier.

For any inquiries or assistance regarding water damage claims, reach out to True View Commercial. Protecting your home during freezing temperatures starts with proactive measures and knowledgeable guidance.

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