02/10/2021 State Farm: $60 million paid on 2020 claims; $15k average damage

As temperatures drop, homeowners face property damage dangers. A costly threat, frozen pipes can cause extensive damage. An eighth-inch crack can spill more than 250 gallons of water a day. This can result in thousands of dollars in damage to floors, carpets, and furniture.

 According to 2020 claims, State Farm paid $60m on frozen pipe property damage claims. Damage averaged $15,500 per claim. Homeowners in Illinois sustained the most damage. Missouri, Texas, Oklahoma, Arkansas, and Kansas homeowners also reported costly claims.

 Frozen Pipe Damage Claims by State | Source: State Farm

  1. Illinois | Avg. claim: $14k | $7.3m total paid
  2. Minnesota
  3. Michigan
  4. New York
  5. Colorado

 10. Missouri | Avg. $8,600 | 1.1m total paid

14. Texas | Avg. $10,300 | $769k total paid

15. Oklahoma | Avg. $14k | $1m total paid

21. Arkansas | Avg. $8,700 | $470k total paid

28. Kansas | Avg. $9,900 | $436k total paid 

Prevention Tips:

  • Let warm water drip overnight, preferably from faucets on an outside wall
  • Open cabinet doors allowing heat to get to uninsulated pipes under sinks near exterior walls
  • Keep your thermostat set at the same temperature day and night
  • Insulate exposed water pipes, such as those in crawl spaces, basements, or near outside walls.
  • Disconnect hoses

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