In 2015, winter storms and cold weather account for the second most frequent natural catastrophe loss (Insurance Information Institute) and damage from frozen pipes averages about $18,000 per paid claim (The Three Most Costly Winter Claims). Your insured’s HVAC system can both be the culprit and the victim of freeze damage, especially when it comes to boilers. Because boilers function by pumping hot water or steam throughout the home, there is ample opportunity for pipes to freeze and burst.

For more information about boilers, check out the following resources: Residential Boiler Diagram, Boiler Low Water Cutoff White Paper, Boiler Low Water Overview, The Dangers of Freezing Water and Boilers Article

HVAC System Freeze Damage

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