Check frozen pipe damage to avoid £10,000 repairs warns insurer

**Check Frozen Pipe Damage to Avoid £10,000 Repairs, Warns Insurer**

Scots have been advised to be vigilant for signs of costly frozen pipe damage in their homes as temperatures drop, with insurers NFU Mutual warning of the heightened risk of burst pipes due to the cold weather. The sudden switch to freezing temperatures in Scotland has raised concerns about the potential for significant damage caused by burst pipes, which can result in repair costs of up to £10,000 on average.

NFU Mutual is offering guidance to homeowners and businesses on how to identify the indications of pipe damage and take preventive measures. Freezing causes water to expand, leading to pipes splitting or bursting, especially if there is an existing unnoticed leak. Once the pipes thaw, the released water can cause extensive property damage.

Andrew Chalk, a rural insurance specialist at NFU Mutual, highlighted the hidden threat of water leaks, noting that last year the insurer received nearly 6,500 escape of water claims with an average cost of £9,670. Larger claims could surpass £100,000, necessitating property owners to vacate their premises for repairs and reconstruction. Recognising and addressing frozen pipe issues promptly is crucial to preventing costly damage.

To safeguard against frozen pipes, property owners are advised to keep heating on, even at a low level, to ensure all areas of the house receive warm air circulation. Additionally, fitting lagging or insulation to exposed pipes can help prevent freezing. If signs of frozen pipes are noticed, such as taps or the boiler not functioning, it is recommended to turn off the mains water supply, investigate the issue, and seek assistance from a plumber if needed. Thawing pipes should be done cautiously using methods like hot water bottles, and in case of a leak, contacting the insurer promptly is crucial.

NFU Mutual has compiled a new guide outlining steps to take if pipes freeze or to prevent frozen pipe damage. Simple precautions include insulating pipes and water tanks, setting thermostats above freezing temperatures, and fixing leaky taps to reduce the risk of freezing. When leaving the house for an extended period, it is advised to turn off the water mains and drain the system to prevent water accumulation in the pipes.

Taking proactive measures to address frozen pipe risks can save property owners from substantial repair costs and inconvenience caused by burst pipes. By staying vigilant, following prevention tips, and promptly addressing any pipe issues, homeowners can protect their properties from the potential damage associated with freezing temperatures.

**Insights and Summary:**

Frozen pipes can lead to significant damage and costly repairs for homeowners if not addressed promptly. By recognising the signs of frozen pipe damage and implementing preventive measures suggested by insurers like NFU Mutual, property owners can mitigate the risks associated with burst pipes during cold weather spells. Insulating pipes, maintaining heating systems, and being aware of the warning signs of frozen pipes are essential steps to safeguard properties from water leaks and extensive damage. Swift action in response to frozen pipe issues can prevent major disruptions and financial burdens caused by burst pipes, highlighting the importance of proactive maintenance during winter months to preserve property integrity.