Water expands when it freezes, and a closed pipe cannot accommodate that expansion, so the pipe splits. The damage often goes unnoticed at the moment of freezing because the ice plugs the split; the flooding begins on the thaw, which is why frozen-pipe damage is typically discovered as a large loss rather than a small leak. Piping in garages, crawl spaces, unheated basements, attics and exterior walls is exposed to that risk, and the inspector reports runs in those locations along with whether they are insulated, whether the space has any heat, and whether hose bibs are frost-proof or have accessible interior shutoffs. It is a preventable failure with an inexpensive remedy, which is precisely the kind of finding a report should surface before the first cold snap rather than after.