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Urgent for flood-damaged homesIf your home is still in repair, it needs winterizing before the hard freezeWhat to do now →

Winterizing a home that is still being repaired

A house with its walls open and its heat off freezes sooner and harder than an occupied one. This is what to do before the first hard freeze, in the order it matters.

Last updated

Flood repairs and winter have arrived together. A home in restoration has lost the things that normally protect it — insulation is out, wall cavities are open, mechanical systems are disconnected, and nobody is living in it to notice a cold room. The steps below are the ones that prevent a second loss on top of the first.

Do this first

Check this with your insurer before you do anything else

A standard homeowners policy commonly excludes freeze damage in a dwelling that was unoccupied, unless the owner either kept the heat on or shut the water off and drained the system. A house in restoration is usually unoccupied, which puts it squarely in that exclusion. Insurers commonly look for heat maintained at around 55°F, or the water supply shut off and the plumbing drained.

Call your agent, tell them the house is unoccupied and under repair, ask what your policy requires of you this winter, and write down the answer. Doing one of the two things the policy names is what keeps a burst-pipe claim payable.

In this order

Seven things to do before the first hard freeze

The first one decides the rest. Everything after it follows from whether the house is being heated through the winter or emptied for it.

01

Decide: heat it, or drain it

These are the two states a building can safely spend a winter in. The expensive mistake is the middle — a house left with water in the pipes and no reliable heat. Which one you choose depends on whether the repair is active and whether the power is dependable.

  • Repairs ongoing and power reliable: keep heat on, set no lower than 55°F.
  • Repairs paused, or power uncertain: shut the water off at the main and drain the system.
  • Whichever you choose, tell your insurer and your restoration contractor, because both of them plan around it.

A house that is half-heated and half-drained has the drawbacks of both.

02

If you are draining it, drain it properly

Closing a valve is not draining a system. Water left in a low spot, a trap or a water heater will still split the pipe that holds it.

  • Shut off the main, then open every faucet — highest in the house first, lowest last — and leave them open.
  • Drain the water heater, and switch off its power or gas first so it cannot fire on an empty tank.
  • Blow the lines out with compressed air if you can, because gravity alone leaves water in horizontal runs and bellies.
  • Flush every toilet and sponge the tank and bowl out.
  • Pour RV or plumbing antifreeze into every drain trap, every toilet bowl, and the washer standpipe — a dry trap also lets sewer gas back into the house.
  • Do not put automotive antifreeze into plumbing.

Outside hose bibs, irrigation and any line to a shop or barn are the ones most often forgotten.

03

If you are heating it, heat it safely

The wrong heater adds water to a building you are trying to dry, and can be dangerous in a house with nobody in it to notice.

  • Use a vented heater that sends its exhaust outdoors, or the home’s own system if it is safe to run.
  • Avoid unvented fuel-burning heaters: they release roughly half a gallon of water for every gallon of fuel burned, straight into a building being dried.
  • Fit working carbon monoxide alarms, on every level, before running any fuel-burning heat.
  • Open cabinet doors under sinks and on exterior walls so warm air reaches the pipes behind them.
  • Keep interior doors open so heat reaches the whole floor plan rather than one room.

A furnace or water heater that was underwater is not a heat source until a licensed technician has passed it.

04

Protect the pipes the repair has exposed

This is what makes a house in restoration different. Pipes that spent twenty winters inside an insulated wall are now sitting in an open cavity with nothing between them and the sheathing.

  • Walk the house and note every run of pipe you can now see that you could not see before.
  • Insulate those runs with foam sleeves, and use heat tape rated for the job where a run is badly exposed.
  • Pay attention to crawl spaces, garages, exterior walls and anywhere the insulation came out.
  • Close up open exterior penetrations — a missing vent cover or an open rim joist is a direct path for freezing air.

Pipes in unheated spaces and exterior walls freeze well before the outdoor temperature reaches 20°F.

05

Keep the drying going, or the repair stops

This is the step people do not expect. Cold does not just risk pipes — it halts the drying that the whole repair is waiting on.

  • Standard compressor dehumidifiers lose effectiveness below about 60°F and ice up when their coils drop below freezing, at which point they are moving air and removing nothing.
  • In a cold building the right equipment is a low-temperature unit with auto-defrost, or a desiccant dehumidifier, which has no cold coil to ice up.
  • Keep the building warm enough for the equipment to work, not merely warm enough to avoid a freeze.
  • Let in some air exchange on milder days to carry moisture out.

A dehumidifier running in a 45°F room can look like progress for weeks while the structure stays wet.

06

Keep the weather outside

Snow blowing into an open wall or a missing window does not wait for spring to become water.

  • Cover open walls, roof openings and missing windows with sheeting, fastened to hold in wind.
  • Clear snow that has already found its way in — roughly every 10 inches of snow holds about an inch of water.
  • Keep gutters and downspouts clear so meltwater runs away from the foundation rather than back into it.
  • Make sure the ground outside still slopes away from the house after the excavation and the repairs.
07

Septic, well and the outside systems

The parts of the property that stayed underground have their own winter, and a system disturbed by flooding is more fragile than it was.

  • A septic system that was flooded should be inspected before winter rather than after it.
  • Keep vehicles and equipment off the drain field — compacted and frozen soil damages it.
  • Leave snow cover on the tank and field where you can; it insulates.
  • If the house will sit unused, ask about the right way to leave the septic system over the winter.
  • On a well, do not drink the water until it has been tested by a laboratory.

Seen most often

The mistakes that cost the most

Every one of these is something a reasonable person does for a sensible reason.

  • Turning the heat off to save money while the house is still wet — the drying stops with it.
  • Shutting the water off and assuming that is the same as draining the system.
  • Running an unvented propane or kerosene heater inside a building that is being dried.
  • Forgetting the hose bibs, the irrigation line and the run out to a shop or barn.
  • Leaving drain traps empty, which lets sewer gas back into the house.
  • Assuming a furnace or water heater that was submerged can be relit.
  • Not telling the insurer that the house is unoccupied and under repair.

Asked this month

Winter, answered

What temperature should I leave the house at?

If you are heating it rather than draining it, no lower than 55°F is the figure insurers commonly look for, and it is also roughly the floor at which drying equipment keeps working. Lower than that and you are protecting the pipes while stalling the repair.

The power keeps going out. Is heating it still the right choice?

If the power is not dependable, heat is not a plan — it is a hope. Where outages are likely and nobody is checking the house daily, draining the system is the more reliable of the two, because it does not stop working when the electricity does.

Can I just leave the faucets dripping?

A drip helps an occupied, heated house through a cold snap. It is not a winter strategy for an empty building with open walls, and it does nothing at all for the pipes that are not on that fixture.

My insulation was torn out. Does that change anything?

It changes a great deal, and it is the main reason a house in repair is more vulnerable than an ordinary empty one. Pipes that were protected inside a wall are now in open air, and the building loses heat far faster than it did. Those exposed runs are the ones to insulate first.

Does my homeowners insurance cover a frozen pipe?

Often yes for the resulting water damage, and often not if the home was unoccupied and neither heated nor drained. Policies vary, which is exactly why this is a call to your own agent rather than something to read off a website. Ask what your policy requires and write the answer down.

Is it too late if it has already frozen once?

No. A line can freeze without splitting, and a split can leak slowly rather than burst. Get the water shut off, get the system looked at before it is pressurized again, and deal with it now rather than finding it in the spring.

Who do I call first?

If the water is running and you cannot stop it, shut off the main and call us on (505) 325-9312. If it is a planning question — heat it or drain it, what to do with an exposed run, what your system needs — we would rather have that conversation in November than in January.

Where this comes from

The figures on this page are drawn from NDSU Extension’s guidance for flood-damaged homes in winter, the American Red Cross on frozen pipes, and published restoration-industry guidance on drying in cold weather. Insurance conditions vary between policies, so the advice here is to ask your own agent what yours requires — not to tell you what it says.

Not sure whether to heat it or drain it?

That answer depends on your house, your power and your policy. Call (505) 325-9312 and we will walk through it with you.

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