Winter in Pittsburgh is tough on buildings. When temperatures drop below freezing, pipes can burst and flood homes, offices, and commercial spaces in minutes. The result is expensive repairs, lost inventory, and business closures. This guide explains how frozen pipes cause water damage in Pittsburgh, what insurance usually covers, and why working with a Pittsburgh public adjuster can make the claims process faster and less stressful.
Why Frozen Pipes Are a Big Problem
Frozen pipes are one of the leading causes of water damage in Pittsburgh each winter. When water freezes inside a pipe, it expands. The pressure can split the pipe or cause joints to fail. As soon as the ice thaws, water rushes out.
Common Places Pipes Freeze
- Exterior walls: Poorly insulated pipes run along cold walls
- Basements and crawl spaces: These areas stay colder and are prone to freezing
- Vacant or closed buildings: Empty offices, warehouses, or seasonal businesses are at high risk if the heat is turned down too low
- Ceilings and attics: Pipes running above ceilings can burst and soak everything below
Even a small break can release hundreds of gallons of water in a few hours. The damage spreads quickly, soaking drywall, flooring, equipment, and inventory.
How Frozen Pipe Water Damage Affects Commercial Properties
When frozen pipes burst in a business or multi-unit property, the impact is bigger than just repairs. Businesses often face loss of income because they must close for days or weeks. Inventory and equipment can be destroyed, causing additional expenses. In rental properties, tenants may need to move out while repairs are made. Moisture trapped in walls can lead to mold growth in as little as 24 hours, which means higher cleanup costs and health concerns.
What Your Insurance Covers for Frozen Pipe Claims
Most commercial and homeowner policies cover water damage from burst pipes if you took reasonable steps to prevent freezing.
What’s Typically Covered
- Water damage to floors, walls, and ceilings
- Damage to business contents like furniture, inventory, or equipment
- Drying and cleanup costs
- Business interruption if you have this coverage
What’s Usually Not Covered
- The cost to fix or replace the broken pipe itself
- Damage caused by failing to keep heat on or draining pipes in a vacant building
- Gradual leaks or long-term damage not caused by a sudden event
Every policy is different, so it is smart to read the details or have a professional review it.
Filing a Frozen Pipe Insurance Claim in Pittsburgh
Quick action is key when filing a frozen pipe insurance claim in Pittsburgh.
Step 1: Stop Further Damage
Shut off the main water supply and, if needed, the power to the affected area. Call a plumber or restoration company to repair the pipe and begin drying the building.
Step 2: Document Everything
Take photos and videos of the damage before cleaning up. Make a list of damaged items, save receipts for emergency services, and keep notes of who you spoke to and when.
Step 3: Report the Claim
Contact your insurance company right away. Share the basic facts: when it happened, where it happened, and what was damaged.
Step 4: Get Help From a Public Adjuster
Insurance claims can be stressful, especially when you are trying to run a business. A Pittsburgh public adjuster works for you, not the insurance company. They inspect the property, prepare detailed estimates, and negotiate with your insurer to get a fair payout.
Why Work With a Public Adjuster
Handling a burst pipe insurance claim in Pittsburgh on your own can lead to missed details and lower payouts. A. H. Neaman Company can make the process much easier. Our team performs a full inspection to find hidden water damage, reviews your policy to identify all your coverage, and prepares complete documentation for your claim. We negotiate with the insurance company to make sure their offer is fair and push for a faster payout so you can repair the damage and reopen sooner.
Protecting Your Building from Frozen Pipes
Prevention saves time, money, and stress. Keep heat at 55°F or higher, even in vacant spaces. Insulate exposed pipes in basements, crawl spaces, and attics. Open cabinet doors to let warm air reach pipes in kitchens and bathrooms. Have someone check the property during extreme cold spells.
Get Expert Help for Your Claim
If frozen pipes have caused water damage to your home, business, or commercial property, you do not have to face the insurance company alone. Contact A. H. Neaman Company today to speak with an experienced Pittsburgh public adjuster. We will handle the claim process so you can focus on repairs and getting back to normal.
