The present study reports experiments of water droplet impacting on ice or on a cold metallic substrate, with the aim of understanding the effect of phase change on the impingement process. Both liquid and substrate temperatures are varied, as well as the height of fall. The dimensionless maximum spreading diameter, $\beta_m$, is found to increase with both temperatures as well as with the impact velocity. Furthermore, $\beta_m$ is reduced when solidification, which enhances dissipation, is present, whereas fusion favours the liquid film spreading. These observations are rationalized by extending an existing model of effective viscosity, in which phase change alters the size and shape of the developing viscous boundary layer, thereby modifying the value of $\beta_m$. The use of this correction allows to adapt a scaling law existing for isothermal drop impacts to propose a universal law giving the maximum diameter of an impacting water droplet in the presence of melting or solidification.