Winter Weather Claims

Oh No. The Pipes Froze and Burst

Winter weather brings snowstorms, biting wind, freezing rain and icy conditions that can damage your home. Frigid temperatures can cause pipes to freeze and burst. Heavy, wet snow can weigh down tree branches that break through electric lines and cause power outages. Your insurance policy typically helps cover the cost to repair common winter weather damage to your roof, plumbing, foundation and personal belongings. Check your policy to see what’s covered and the deductible you’ve chosen. If you’re uncertain, ask your local Safeco agent to go over your policy details with you.

File a Claim

Call Us. We’re Here for You.


24 hours a day, 7 days a week

Track a Claim

Log in.

Track the status of your claim anytime in your online account.


1. Be Safe

Make Personal Safety Your First Priority

  • Don’t run a generator or barbecue grill indoors. Hazardous fumes and carbon monoxide poisoning can be deadly.
  • Don’t leave candles or a fireplace unattended and keep the area well ventilated.

2. Call Us


Be ready to provide the following:

  • What happened?
  • Where is the damaged property?
  • How extensive is the damage?
  • Are temporary repairs needed?
  • What is your current contact information and the best time to reach you?

Be prepared to provide as much detail as possible about the damage. If you take photos and video, they can help illustrate the damage and clarify what happened. They’ll also help move along the claims process. Owner’s manuals, serial numbers and credit card statements can be used to document your personal belongings.

3. Repair Your Home

Water Damage

If you’ve got seeping water or a burst pipe, you can use a water damage contractor of your choice to fix the damage. However we recommend using one of our preferred suppliers. Talk to your claims representative about which option is best for you and how to proceed.

Roof and Structural Damage

Please wait until a claims adjustor assesses the damage to your home before starting permanent repairs. We encourage you, however, to schedule permanent repairs as soon as possible. Find a local, licensed, bonded and insured contractor through our free Safeco Contractor Referral service.


© 2017 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.