Frozen pipes are a leading cause of consternation and homeowners’ insurance claims during the harshest months of the year. Published on November 19, 2014 in Winter weather tips: Frozen pipesFull resolution (500 × 334) Frozen pipes are a leading cause of consternation and homeowners’ insurance claims during the harshest months of the year. Frozen pipes are a leading cause of consternation and homeowners’ insurance claims during the harshest months of the year.