Frigid winter temperatures can cause pipes to freeze – or even burst. Do you know how to tell if pipes are frozen? We’ve pulled together tips to help prevent frozen pipes and a list of suggestions for you to follow if they do freeze.

Pro tip: Know ahead of time how your homeowners insurance can kick in to help repair damage from a frozen and burst water pipe. Not sure if you’re covered? Talk to a local ERIE agent to find out.

SYMPTOMS OF FROZEN PIPES

One of the earliest signs of a frozen pipe is when no water comes out of your faucet when you turn it on. If you notice that, head first to the basement and check to see that the water is still turned on and that you don’t have a leak. Once you’ve confirmed these two things, continue your inspection to make sure one of your pipes has not burst. If your search reveals that your pipes are frozen but none have ruptured, you have two choices:

• Call a plumber to help thaw your frozen pipes. Most times, this is a better idea if you don’t think you can safely thaw the pipes yourself, you don’t know where the frozen pipes are or you can’t access the frozen area.
• Attempt to thaw the frozen pipes yourself. Be aware this option can be dangerous if not done correctly.

HOW TO FIX FROZEN PIPES

If you’re not an experienced DIY-er, it’s safer to defer this one to a professional. However, there are fast fixes you can try if you’re experienced with home maintenance work. If you attempt to thaw the frozen pipes yourself, keep the following tips in mind:

• Keep your faucet open. Water and steam will be created during the thawing process, and your pipes need an opening to discharge this. Keeping the faucet open also allows for moving water to run through the pipe, which will expedite the thawing process.
• Apply heat to the section of the pipe that is frozen. This can be done by wrapping an electronic heating pad around the pipe, heating the area with a hair dryer or both. If you lack either of these items, using towels soaked in hot water will help as well.  Remember, this is a temporary fix and the heating pad should not be left unattended to prevent a fire.
• Know what not to do. Never use a blowtorch, propane or kerosene heaters, a charcoal stove or any other open flame device to thaw your frozen pipes. That presents a severe fire hazard. You should also avoid using a space heater unless you are sure the area is clear of any flammable material. Again, never leave the space heater unattended.
• Continue applying heat until water flow returns to normal. Once you have successfully thawed the pipe, turn on other faucets in your home to check for any more frozen water pipes.
• Take swift action if the frozen pipes are located inside an exterior wall. This is a serious situation when you should call a professional contractor, as repairs may involve cutting a hole in the wall toward the inside of the house to expose those pipes to warmer air.

HOW TO PREVENT FROZEN PIPES

While we can’t control the weather, there are things we can do to prevent pipes from freezing. To prevent pipes from freezing and causing major damage, follow these steps:

• Drain water from pipes that are likely to freeze. This includes your swimming pool and sprinkler water supply lines.
• Disconnect any hoses from the outside of your home, drain the hoses and store them in the garage. Make sure to close the indoor valves supplying these outdoor access points.
• Insulate the area around vents and light fixtures. This helps prevent heat from escaping into the attic.
• Seal any wall cracks. Be sure to pay careful attention to the areas around utility service lines.
• Open kitchen cabinets. This allows the warm air to circulate around the pipes.
• Keep the garage doors closed to protect water lines.
• Allow your faucets to drip cold water on the coldest days. The movement will make it harder for the water to freeze.
• Keep your thermostat at the same temperature day and night. Never let it fall below 55 degrees Fahrenheit when you leave your home.
• Ensure you have proper seals on all doors and windows.
• Place a 60-watt bulb in areas where you’re concerned about pipes freezing. Make sure there are no combustible materials near the bulb.

PROTECTION FROM FROZEN WATER PIPES

Frozen water pipes and the damage they can cause are a reality for thousands of people each year. That’s especially the case when you are at below freezing temperatures for an extended period of time.

The Insurance Institute for Business & Home Safety says a burst pipe can cause more than $5,000 in water damage. That’s because the damage can be extensive.

“We see about 2,000 claims per day during an average January winter,” says Chris Zimmer, senior vice president of claims for Erie Insurance. “A number of them are due to frozen water pipes.”

When you sign up for Medicare Parts A and B, you also have the option to apply for a Medicare Supplement insurance plan.

A Medicare Supplement plan, sometimes called “Medigap,” is a private insurance policy that can help pay for some of the health care costs that Medicare doesn’t cover. But is this coverage really necessary? And more importantly — is it worth it?

WHY CHOOSE A MEDICARE SUPPLEMENT PLAN?

To answer those questions, it may help to understand why you’d want to enroll in a Medicare Supplement plan in the first place. Here are some important reasons:

• It helps pay the portion of approved expenses not covered by Medicare. This can include out-of-pocket expenses such as copayments, coinsurance and deductibles.
• There are a variety of plans to meet your needs. Erie Family Life offers four supplemental insurance plans designed to fit your life and your budget.
• With no network, you can choose any doctor or hospital that accepts Original Medicare.
• Coverage is guaranteed to renew each year (unless you make untrue statements, commit fraud, or fail to pay premiums).

IS IT WORTH IT?

As with any insurance policy, the answer to whether the cost is “worth it” will largely depend on your personal financial situation.

But health care and out-of-pocket expenses for Medicare participants are on the rise. If you’re concerned about your ability to pay unforeseen health care costs, you’ll probably find that the peace of mind a Medicare Supplement plan can provide is worth the cost.

And if you’re already an ERIE customer, you may be eligible to get lower premiums with discounts, including:

• Household Discount: Available if someone else in your home has an ERIE Medicare Supplement plan. The availability and amount of this discount  varies from state to state. Ask your agent for details.
• Multi-policy Discount: Available when the Medicare Supplement plan covers an ERIE auto, home or life policyholder. Not available in all states.

TALK TO AN ERIE AGENT

When it comes to reviewing and choosing a Medicare Supplement insurance plan, the decisions can be daunting. But you don’t need to be an expert because we’re here to help. Contact your ERIE agent or find an agent in your neighborhood for your free Medicare Supplement guide.

Erie Family Life and our agents can help you select the best supplemental plan for your life and your budget. And we’ll be here when you need us, ready to answer your questions. That’s our promise of service.

ERIE® Medicare Supplement insurance products and services are provided by Erie Family Life Insurance Company.  Go to erieinsurance.com for company licensure information.

The policy has exclusions, limitations and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, contact your ERIE agent or refer to the government guide Choosing a Medigap Policy: A Guide to Health Insurance for People With Medicare.

Eligibility for insurance coverage will be determined at the time of application based on applicable underwriting guidelines and rules in effect at that time.

ERIE Medicare Supplement insurance is not available in the District of Columbia, New York and Wisconsin.  Life insurance not available in New York.