FEATURE/Prevent Frozen Pipes Even in Warmer Climates

February 18, 2004

HARTFORD, Conn.--(BUSINESS WIRE)--Feb. 18, 2004--Frozen pipes may not sound like a major problem for property owners, but Travelers Property Casualty Corp. (NYSE: TAP.A and TAP.B) has received so many claims from winter weather damage that 36 members of its catastrophe response team have been deployed throughout the Northeast to assist customers.

"Winter's fluctuating temperatures can be hazardous to a home, especially when snow begins to melt and refreezes, forming an ice dam on the roof," says Peter McMurtrie, Vice President, Claim Services. "The good news is there are steps you can take to protect your home, which is important even in warmer climates where pipes running through uninsulated attics or crawl spaces can freeze."

    To prevent frozen pipes:

    --  Open the cabinets under the sinks in the kitchen and bathrooms
        to allow heat to circulate around water pipes.

    --  Let faucets drip.

    --  Insulate pipes in your home's crawl space or attic.

    --  Bring water hoses inside.

    --  Insulate your outdoor water meter box, and be sure the lid is
        on tight.

    --  Protect outdoor electrical equipment to help prevent power
        outage.

    --  Seal any leaks in the home's foundation that allow cold air
        inside. (Do not cover vents that are installed to provide
        combustion air to fuel-fired hot water heaters or other
        equipment as that could lead to carbon monoxide poisoning.)

    --  Maintain heat in your home at a comfortable level.

    --  If you elect to drain your pipes when leaving for an extended
        period, turn off your water at the shut-off valve while
        faucets are running to drain your pipes. If you drain your
        pipes, contact your electric or gas company for instructions
        on protecting your water heater. Please be aware that if you
        have a fire protection system in your home, it will be
        deactivated when the water is shut off.

    If your pipes freeze:

    --  Turn off your water at the shut-off valve.

    --  Contact a plumber for assistance.

    --  Do not use lamps or electrical appliances to thaw frozen
        pipes. Leaking water from thawing pipes could result in an
        electrical shock.

    --  If your plumber uses a portable torch to thaw or repair
        piping, make sure that combustibles are removed from the area,
        and that a charged portable fire extinguisher is available.
        Observe the area for a minimum of 30 minutes after hotwork is
        completed to ensure that no embers or overheated material from
        the hotwork is smoldering.

To prevent ice dams, which can clog gutters causing water to leak into the house, use a long-handled roof rake to remove snow on the roof while standing safely on the ground.

Travelers policyholders who experience a loss should immediately report their claim to Travelers at 1-800-CLAIM-33 (1-800-252-4633) for assistance. Travelers claim professionals are available 24 hours a day, 365 days a year.

These and other winter home maintenance tips are available at www.travelers.com/claim_services/pl/home_safety.html.

About Travelers Property Casualty

Travelers Property Casualty (NYSE: TAP.A and TAP.B) provides a wide range of insurance products. In the commercial lines market, Travelers is a leading provider of a broad range of insurance products including workers compensation, integrated disability, property, liability, specialty lines, surety bonds, inland/ocean marine, and boiler and machinery. The company is the second largest writer of homeowners and auto insurance through independent agents. On November 17, 2003, Travelers announced its intent to merge with The St. Paul Companies. The merger is expected to be completed in the second quarter of 2004. For more information on Travelers, see www.travelers.com.

SUBJECT: TAPA, TAPB, TAP.A, TAP.B, TAPa, TAPb, TAP.a, TAP.b, TAP/A, TAP/B, TAP/a, TAP/b

    CONTACT: Travelers Property Casualty
             Jennifer Wislocki, 860-277-7458

    SOURCE: Travelers Property Casualty