Frozen pipes aren’t just inconvenient: if they burst, just a small crack can release hundreds of gallons of water into your home, damaging carpets, floors, walls, ceilings and anything else that happens to be in the path. Even if your Homeowners Policy covers damage to your home from burst water pipes, nothing can make up for the disruption, discomfort and loss of personal items. Frozen pipes have caused millions of dollars in damage to American homes over the last decade. But they’re easily avoided by following these simple tips: Prepare today: • Insulate pipes in your crawl spaces and attic. These exposed pipes are the most susceptible to freezing. • Wrap vulnerable pipes with heat tape or thermostatically controlled heat cables. Be sure to use products that are UL-approved, and follow manufacturers’ instructions. • Seal leaks with caulk or insulation to keep cold air from coming in near pipes, especially around electrical wiring, dryer vents and pipes. During cold weather: