If you know you are going to file an insurance claim due to the freeze and/or power outage, I’d suggest doing it now to get ahead of all the other claims that are going to be filed. Even if you don’t know the extent of the damage yet, at least get it in the system. Note: If it’s just a broken sprinkler backflow valve (the part that sticks up aboveground), it’s not worth filing a claim. Those are about $250-$300 to repair.

Also, if you have USAA insurance, go on their app and check out the $500 reimbursement for spoiled food during a power outage. It will be approved within a few minutes and won’t affect your insurance score or premiums. It’s similar to filing an auto claim for a windshield chip.