Memphis, TN and Collierville, TN are lucky. Cold snaps here don’t last long, but they hit fast enough to expose weaknesses, especially inside older rental units. Most renters focus on the obvious concerns during winter, like keeping the heat on, avoiding icy steps, and watching for drafts. But what they often miss are the simple cold-weather dynamics happening within the walls of their apartment.

The Hidden Reality of Pipes in Older Memphis and Collierville Rentals

Many rental properties in Memphis, Collierville, and across the region were built long before modern insulation standards became common. That means your pipes are often running through unprotected spaces, behind thin exterior walls, under kitchen cabinets, through breezeways, or along crawl spaces that never really warm up. And here’s the reality: a sudden freeze overnight will cause even more stress in these areas, even if your thermostat shows a perfectly comfortable number.

The real problem is timing. Pipes don’t always burst during the cold spell. More often than not they just crack a bit, not failing until hours or days later, when the cold has long been forgotten. Suddenly, you notice the water on the floor and assume it just happened. But in reality, the damage began during the freeze.

This is the same exact pattern we see every year here at Tackett Insurance, Inc. Renters tend to believe their landlord’s insurance will handle everything, but that’s simply not the case. Your landlord’s insurance focuses on the building’s structure, not your personal belongings. And that gap becomes painfully clear once the water destroys your furniture, electronics, clothing, or irretrievable documents. That’s what your renters insurance covers, the things that are yours.

Why Awareness Matters More Than the Weather Forecast

Memphis and Collierville winters don’t need to show prolonged cold to create real problems in your home. All it takes is one hard freeze followed by a fast warm-up. Our experts at Tackett Insurance, Inc. help renters across Memphis, TN and Collierville, TN ensure their renters insurance reflects the risks you’re actually facing before the water spreads.