(Harrisburg) -- The frigid temperatures across the region have led to ripe conditions for frozen or burst pipes.
State Department of Insurance spokeswoman Rosanne Placey says the resulting damage is typically covered by standard homeowner's insurance policies.
But she stresses that home maintenance is key.
"There generally is a requirement that the homeowner has taken reasonable steps to prevent these sorts of losses, by keeping the house warm, properly maintaining the pipes, the drains, the gutters," Placey says.
She notes that frozen and burst pipes account for about 20 percent of overall home insurance losses.
The average claim is about $6,000.
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