Would this be covered under homeowners insurance?

read your policy(i doubt it though)

I know my insurance would because I specifically asked them if pipes or water tanks flood the house.. they will cover it. Just call them. Like any claim though there usually cunts giving back your money lol. good luck. Take your own photos of the damage.

I'm a property adjuster and yes you have coverage for everything, just please do your best to mitigate your dmg and go ahead and contact both your insurance co and a water mitigation co

This is good to hear..thanks for the info. I'll give them a call today.

So I just spoke to my insurance company and they told me this is not covered.

They are wrong unless you have a specific exclusion against freeze claims, read your policy if you have one, I work with State Farm and frozen pipes are covered, get your plumber to give you a written copy of exactly what was damaged and what caused it, once you have this in hand request a sit down with your agent, and go over your policy and have him explain to you either why or why not on coverage. And rule of thumb on coverage, if it is sudden and accidental then you have coverage but if it was leak ( drip drip) and it took a while to find then you may not have coverage. If you the water heater failed then insurance would pay for resulting dmg but not the water heater. If the water heater froze or some portion froze and ruptured then they owe to replace what ruptured along with resulting dmg. Hope this helps