❄️ Winter Freeze Insurance Tips for Texans: How to Protect Your Home, Car & Business
Texas are preparing for a significant winter freeze this weekend, with temperatures expected to drop rapidly and remain below freezing for several days.
From burst pipes to icy roadways and unexpected business closures, preparation is key. Below are practical winter insurance tips for homeowners, drivers, and business owners to help protect what matters most — and ensure your insurance coverage is ready before the storm hits.
@ Source: Fox 4 News
Frozen pipes and water damage are among the most common and costly winter insurance claims in Texas.
Drip faucets, especially those on exterior walls
Open cabinet doors under sinks to allow warm air to circulate
Know where your main water shut-off valve is located
Disconnect and cover outdoor hoses
Insulate exposed pipes in attics, garages, crawl spaces, and outdoor areas
Seal drafts around doors, windows, and foundation penetrations
Set pool systems to freeze or winter mode
Keep pumps running during freezing temperatures
Cover exposed pool equipment
If power fails, immediately drain equipment (pump, filter, heater) to prevent cracked pipes.
💡 Insurance Tip:
Many winter homeowners claims stem from burst pipes and water damage. Coverage often depends on proper maintenance.
Review your Homeowners Policy for optional endorsements such as:
Hidden & Slow Water Leak Coverage
Water Backup Coverage
Foundation Water Coverage
These coverages are excluded from standard homeowners policies unless added by endorsement.
Even a small amount of ice can make Texas roads dangerous. Winter weather often leads to an increase in accidents, especially during early morning and overnight hours.
Avoid driving during icy conditions if possible
Allow extra travel time
Increase following distance
Brake slowly and avoid sudden turns
Use caution when walking on icy sidewalks and parking lots
💡 Insurance Tip:
Make sure your auto policy includes Comprehensive and Collision coverage, especially during winter months.
Also remember:
Liability coverage protects others, not your vehicle
We recommend carrying at least 100/300/100 liability limits
This includes $100,000 in Property Damage coverage
In today’s Texas auto market, many vehicles, especially trucks and SUVs, exceed $50,000 in value
Higher liability limits help protect you from being personally responsible if damages exceed your policy limits after a winter accident.
Freezing weather can cause more than property damage. Freezing can interrupt operations, reduce revenue, and force temporary closures.
Insulate exposed plumbing and sprinkler systems
Keep heat on in vacant or low-traffic areas
Know where your water shut-off valve is located
Secure outdoor signage, equipment, and inventory
Prepare for potential power outages
💡 Insurance Tip:
Business Interruption Coverage can be critical if winter weather damage forces a temporary shutdown.
Winter is also an ideal time to review your Business Personal Property values, especially if you’ve:
Added new furniture or fixtures
Purchased new computers or upgraded electronics
Increased inventory
Expanded or remodeled your space
Underinsured property can lead to reduced claim payments, even when a loss is covered.
Winter storms can be especially challenging for small businesses and restaurants. If you’re able, consider supporting local businesses before or after a storm, even a short closure can have a big financial impact.
We’re proud to insure many incredible local businesses, including:
Bresnan Bread & Bakery
Cavalli’s Pizza
Hutchins BBQ
Supporting local helps keep our communities strong year-round.
Bottled water & non-perishable food
Flashlights & extra batteries
Phone chargers / power banks
Warm blankets and clothing
Pet supplies
First-aid essentials
At Mauceri Bynum Insurance, we’re happy to review your:
Homeowners Insurance (water & freeze-related coverages)
Auto Insurance (Comprehensive, Collision & Liability limits)
Commercial Insurance (water damage & Business Interruption coverage)
Having a trusted advisor review your coverage before winter weather arrives can make all the difference when you need it most.
🏆 Voted Best of McKinney 12 years in a row
📞 (214) 733-8400 Calls answered live — no voicemail during business hours
🛡️ All policies serviced in-house
You can get started anytime by visiting our website and using our Quote Yourself tool:
👉 Start your quote or request a policy review today:
https://www.agentinsure.com/compare/auto-insurance-home-insurance/mauceriagency/quote.aspx
Stay warm, stay safe, and reach out if you’d like a personalized insurance review before the next winter freeze.
📍 Mauceri Bynum Insurance
301 E Virginia Street, Suite 201
McKinney, TX 75069
