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Last updated: January 2026

Kentucky winter storm preparedness starts with a few simple steps that reduce the most common losses we see during extreme cold. Severe winter weather increases the risk of frozen pipes, burst pipes, power outages, hazardous travel, and property damage for both homes and businesses.

If your area is under a Winter Storm Watch or Winter Storm Warning, it is important to prepare early. Frozen pipes and outages can occur quickly when temperatures drop and wind exposure increases.

At The Way Agency, protecting our insureds includes proactive loss prevention. Many winter claims are preventable with practical preparation before the temperature drops.

Quick checklist for Kentucky winter storm preparation

If you complete only a few items today, focus on these. They reduce the likelihood of major water damage and help keep your household safer during outages.

Disconnect hoses from exterior faucets and drain outdoor connections.
Locate your main water shutoff valve and confirm you can operate it.
Keep indoor heat set to at least 55°F, even if you are away.
Open cabinets near plumbing on exterior walls to help warm air circulate.
Charge phones and battery packs, and keep flashlights accessible.
Confirm carbon monoxide detectors are working and have fresh batteries.

Preventing frozen pipes in Kentucky

Frozen and burst pipes are among the most common winter insurance claims in Kentucky. Pipes located in exterior walls, garages, crawl spaces, basements, and unheated areas are especially vulnerable during extreme cold.

Disconnect all hoses from exterior faucets, including frost-free spigots.
If available, shut off the interior water supply to outdoor faucets, then open the exterior faucet to drain remaining water.
Keep garage doors closed to protect pipes routed through garages.
Open cabinet doors under sinks and near plumbing to allow warm air to circulate.
For pipes at higher risk of freezing, allow faucets to drip slightly, including hot and cold lines.
Maintain thermostat settings at or above 55°F, even when the property is unoccupied.
Seal drafts around plumbing penetrations and insulate exposed piping where practical.

If you have experienced frozen pipes in the past, consider consulting a licensed plumber or contractor to identify vulnerable areas before temperatures drop.

Two simple steps that can prevent major water damage

Know your shutoffs. Identify your main water shutoff and label it. If you have a basement or crawl space, confirm your shutoff is accessible and functional.
Plan for travel. If you plan to be away, keep heat on at 55°F or higher. If it is safe and you know how to restore service correctly, you can consider shutting off the water supply to reduce the size of a loss if a pipe fails.

What to do if a pipe freezes or you suspect one has

If you suspect a frozen pipe, act early. Problems often appear when temperatures rise and frozen lines begin to thaw.

Shut off the main water supply as soon as possible, especially before temperatures rise above freezing.
Inspect visible pipes for cracks, bulges, or leaks if areas are safely accessible.
As temperatures rise, listen and watch for signs of water leaking behind walls, ceilings, or under sinks.
If a pipe is leaking, do not turn the water back on.
Open faucets to drain remaining water and contact a licensed plumber immediately.
Do not use open flames, torches, or heat guns to thaw pipes, as these methods create serious fire hazards.

Power outage and heating safety

Winter storms often lead to extended power outages. Safe heating and generator practices reduce the risk of fire and carbon monoxide exposure.

Generator safety

Operate generators outdoors only, well away from windows, doors, and vents.
Never operate a generator inside a home, garage, basement, or enclosed space.
Use heavy duty, outdoor-rated extension cords and avoid overloading circuits.
Store fuel safely and allow generators to cool before refueling.

Carbon monoxide is odorless and can be deadly. If anyone experiences dizziness, weakness, nausea, or confusion during a power outage, move to fresh air immediately and seek emergency assistance.

Space heater and fireplace safety

Keep flammable materials at least three feet away from heaters and fireplaces.
Turn space heaters off when you sleep or leave the room.
Use battery-powered lighting instead of candles when possible.

Winter driving safety in Kentucky

Travel conditions can change quickly during winter storms. Ice, low visibility, and black ice increase accident risk. Avoid travel during severe conditions when possible.

Check road conditions before leaving and allow extra travel time.
Reduce speed and increase following distance, especially when temperatures hover near freezing.
Watch for black ice on bridges, overpasses, and shaded roads.
Give snowplows ample room to operate safely.
Carry a basic emergency kit that includes a blanket, flashlight, water, snacks, and a phone charger.

For real-time road conditions in Kentucky, use GoKY. GoKY road conditions and alerts

Health and family safety during extreme cold

Extreme cold increases the risk of hypothermia and frostbite, especially for children, older adults, and anyone with medical conditions. Limit time outdoors, layer clothing, and keep extra blankets available.

If you rely on medical devices, refrigerated medication, or mobility equipment, plan ahead for outages. Keep backup charging options available and know where you can safely warm up if heat is lost.

Business winter storm readiness in Kentucky

Winter storms can impact operations, employee safety, and property. A simple continuity plan helps reduce downtime and claims.

Confirm who checks the building, heat, and plumbing during closures or travel restrictions.
Walk entryways and parking areas for slip hazards, then treat proactively when conditions allow.
Protect water lines, sprinkler rooms, and utility spaces that can freeze.
Back up essential files and keep a contact list for vendors, landlords, and key staff.

Insurance preparedness

Preparation helps protect both your safety and your finances. Documenting your property and understanding next steps ahead of time can make recovery smoother if damage occurs.

Take photos or video of key areas before the storm, including mechanical areas and any prior problem spots.
Save receipts for emergency supplies and temporary repairs.
If damage occurs, prioritize safety first and document the loss before cleanup when possible.
If you must make temporary repairs, keep notes and photos of what you did and why.

Coverage depends on your policy and the facts of the loss. This article is general information and does not change any policy terms.

Frequently asked questions about Kentucky winter storms

How can I prevent frozen pipes during a Kentucky winter storm?

Disconnect exterior hoses, shut off water to outdoor faucets if available, keep indoor temperatures at or above 55°F, open cabinet doors near plumbing, and allow faucets to drip slightly for pipes at higher risk of freezing.

What should I do if a pipe freezes or bursts?

Shut off the main water supply immediately and inspect visible pipes for leaks. If a pipe is leaking, do not turn the water back on. Contact a licensed plumber as soon as possible. Avoid using open flames, torches, or heat guns to thaw pipes.

Should I leave my heat on if I am away during a winter storm?

Yes. Keep your thermostat set to at least 55°F, even if the property is unoccupied. This helps reduce the risk of frozen pipes and interior damage.

Is it safe to run a generator in a garage during a power outage?

No. Generators should only be operated outdoors and well away from windows, doors, and vents. Operating a generator in a garage or enclosed space can cause dangerous carbon monoxide buildup.

Will insurance cover damage from frozen or burst pipes?

Coverage depends on your specific policy and the circumstances of the loss. Maintaining heat and taking reasonable steps to prevent damage can matter. If you have questions about your coverage, contact The Way Agency for guidance.

Helpful Kentucky winter weather resources

Need help before or after the storm

If you have questions about your coverage or experience damage during a winter event, The Way Agency is here to help. Our team can assist with next steps, documentation, and guidance throughout the recovery process.

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Kentucky Winter Storm Preparedness: Protecting Your Home, Business, and Family