Most of the frost damage not according to investigations of the insurance industry based on own fault, but on existing construction defects in the Frost period tap water damage are reported every year by Frost to the insurance companies. The first reaction of the insurance, is often that this is not or want to pay only to a limited extent. Justification is, the policyholder had breached the security provisions in the contract of insurance. The policyholder is obliged under the insurance contract, sufficient to heat the buildings during the cold season and to control this. That the frost protection measures were neglected, was already apparent on the basis of the damage image. In the Frost period the policyholder must always count the occurrence of frost damage. For this reason any other clear was that the security provisions of the insurance contract are to be observed.
In this reasoning, the own investigations of the insurance industry will be embezzled. From the statistical surveys the General Association of the insurance that the frost damage to the cold water pipes make up only 0.5% of the tap water losses and thus according to the own estimates of the General Association of insurance companies completely neglecting arises. Consequently occurrence of frost damage must not constantly expect the policyholders even during the Frost period. Among other things, if the policyholder at all does not heat the building in the cold season, because he and the landlord are arguing who has to pay the fuel costs of frost damage. Partly, the landlord turn off also the heating, to move the tenants to the evacuation of the apartment. The insurance in these cases not for the frost damage arise that is not objectionable. Rather, this ensures that the insurance premiums remain affordable. However, these cases are the exception.