Frozen Pipes: What To Do After a Burst Pipe in Pennsylvania & New Jersey

Frozen pipes are one of the most destructive and expensive winter disasters homeowners face in Pennsylvania and New Jersey.
When a pipe freezes, pressure builds quickly, often causing the pipe to burst and flood walls, ceilings, floors, and personal property.

If you are dealing with water damage from frozen pipes, what you do after the damage occurs can determine whether your insurance claim is fully paid or severely underpaid.

Why Frozen Pipes Cause So Much Damage

When temperatures drop below freezing, water inside pipes expands. If pipes are uninsulated or exposed, they can rupture without warning.
Once the pipe bursts, water continues flowing until the supply is shut off often soaking the structure for hours.

Common damage caused by frozen pipe bursts includes:

• Flooded basements and crawl spaces
• Water-damaged drywall and insulation
• Warped flooring and subfloors
• Ceiling collapses
• Mold growth within days
• Electrical and HVAC system damage

First Steps to Take After a Frozen Pipe Bursts

1. Shut Off the Water Immediately

Locate your main water shutoff valve and stop the flow as soon as possible to limit further damage.

2. Document the Damage Thoroughly

Take photos and videos of all visible water damage before cleanup begins. Capture:

• The burst pipe location
• Standing water
• Damaged walls, floors, ceilings, and contents
• Any emergency repairs performed

3. Mitigate Further Damage (But Don’t Over-Repair)

Insurance policies require reasonable mitigation, such as water extraction and drying.
However, permanent repairs should be delayed until the insurance claim is properly documented.

Why Frozen Pipe Insurance Claims Get Denied or Underpaid

Homeowners in Pennsylvania and New Jersey are often surprised to learn that frozen pipe claims are frequently disputed by insurance companies.

Common insurance issues include:

• Claiming the pipe was not properly maintained
• Alleging long-term or pre-existing damage
• Underestimating water and structural damage
• Ignoring hidden moisture behind walls
• Lowball repair estimates

Even when coverage applies, insurance adjusters work for the insurance company—not for you.

Why You Should Hire a Public Adjuster After Frozen Pipe Damage

A Public Adjuster represents you, not the insurance company. After a frozen pipe burst and flooding event, a Public Adjuster ensures your claim is fully documented, properly valued, and aggressively negotiated.

At Keystone Adjusting, we specialize in frozen pipe and water damage insurance claims throughout Pennsylvania and New Jersey.

How a Public Adjuster Helps With Frozen Pipe Claims

• Complete damage inspection, including hidden water damage
• Detailed repair estimates based on real construction costs
• Policy interpretation to identify all available coverage
• Claim preparation and submission
• Negotiation with the insurance company for maximum payout
• Handling delays, denials, and underpayments

When to Call a Public Adjuster

You should contact a Public Adjuster as soon as possible if:

• Your home flooded from a frozen or burst pipe
• The insurance estimate seems too low
• The insurer is delaying or disputing coverage
• You are overwhelmed by the claims process
• You want to ensure nothing is missed

Serving Pennsylvania & New Jersey Homeowners

Keystone Adjusting works with homeowners across:

• Philadelphia & surrounding suburbs
• Bucks, Montgomery, Delaware, and Chester Counties
• Allentown, Bethlehem, and the Lehigh Valley
• Northern, Central, and South Jersey
• Camden, Cherry Hill, Trenton, Princeton, and beyond

Frozen pipe damage is stressful. Navigating an insurance claim alone makes it worse.

Get Help With Your Frozen Pipe Insurance Claim

If your property was damaged by a frozen or burst pipe in Pennsylvania or New Jersey,
do not rely solely on the insurance company’s adjuster.

Keystone Adjusting helps homeowners recover the full and fair settlement they are entitled to after water damage.

Contact Keystone Adjusting today for a free claim review.