State Farm

Frozen Pipe Claims Top $30,000: How to Prep Your Home Now

Indianapolis – October 19, 2026 -- Frozen pipes can turn into a $30,000 problem, and an Indianapolis-area plumber says homeowners should prepare before freezing weather arrives.

Complete Comfort Heating, Air and Plumbing cites State Farm's latest figures on winter insurance claims for frozen pipes and water damage. The average payout exceeded $30,000 when flooring, drywall and personal property claims were included.

A pre-winter inspection can catch cracks and corrosion early

Owner Kenneth Hale recommends a professional plumbing inspection before temperatures drop. Finding small cracks or corrosion early gives homeowners time to schedule repairs and "avoid an unexpected winter emergency," he said.