Homeowners: Prevent Winter Damage Before It Starts Frozen Pipes & Water Damage Cold snaps can turn small leaks into burst pipes fast. Check your insulation regularly. Let faucets drip during freezing temperatures. Know where your main water shut-off valve is located. If a pipe bursts, your homeowners insurance may cover the repair — but only if you’ve taken reasonable precautions. Ice Dams & Roof Leaks Snow buildup can block roof drainage and cause leaks inside your home.

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