Insurer issues warning after huge claim caused by burst frozen pipes
Homeowners are being urged to recognize the dangers of burst frozen pipes after major insurer Allianz UK announced it will pay out £20 million for damage between January 2023 and September 2025.
The company processed 345 claims, including a £566,000 incident in which a four-bedroom house was badly damaged while the owner was abroad.
Graham Wright, managing director of home insurance at Allianz UK, said: “Burst pipes can cause a huge amount of damage, so it’s a good idea to keep your heating system at a consistently low temperature when you’re outside, and it’s a good idea for homeowners to insulate attics and use good quality cladding, especially around pipes and water tanks, to prevent them from freezing.”
With more wintry weather expected in parts of England this week, with temperatures already dropping to minus 10C, the Association of British Insurers (ABI) has issued a similar warning, urging people to properly insulate their pipes and attics.
Mark Shepherd, deputy director and head of general insurance policy at ABI, said last week: “During the cold spell ahead, people need to put their own safety first and follow weather warnings and advice.
“This includes taking steps to protect your home from cold weather and keep your vehicle safe.”
According to the ABI, in 2024 home insurers settled nearly 8,000 claims for weather-related pipe damage totaling £250 million; The average claim cost £33,000, according to the ABI.
Allianz said that those who plan to leave their homes unattended should be especially careful in this cold weather and suggested that they could consider setting the thermostats of their homes to at least 13C to prevent pipes from freezing.
The insurer said many burst pipe incidents occur when people are away for a period of time due to cold weather.
Homeowners who plan to leave their homes empty for more than a few days are advised to check weather forecasts and consider proactive measures such as emptying water tanks, turning off water from taps, keeping the heating on and ensuring people visit the home regularly.
