Winter weather is becoming more unpredictable, with the increase in sudden storms, heavier snowfalls, and temperature extremes. These shifting patterns leave many clients’ homes and businesses vulnerable to avoidable damage. Oversights in winter preparation — like poor insulation or neglected roof maintenance — are often the root cause of costly repairs and insurance claims. However, when preparation isn’t enough, having the right insurance coverage can fill critical gaps.
Common Winterization Oversights and Their Consequences
As an agent, you’re likely to see, hear, or experience it all when it comes to winter prep for your clients — or lack thereof. Below, we’ll explore the most frequent winterization failures, their potential impacts, and practical solutions to help minimize risks.
- Insufficient Insulation
Poor insulation is a major contributor to heat loss, frozen pipes, and increased energy bills. Burst or freezing pipes alone cause an average of $14,000 in damages per claim, making this one of the more costly oversights. For clients at risk of reduced temperatures, you may want to send a few reminders ahead of the season, like upgrading their attic and wall insulation, sealing air leaks, and ensuring proper ventilation to reduce the risk of frozen pipes and heat loss.
- Neglected Roof Maintenance
Roofs often bear the brunt of winter storms. Ice dams — caused by melting snow refreezing at the roof’s edge — can trap water that seeps under shingles, damaging interiors. Regular roof inspections, gutter cleaning, and installing heat cables or snow shields can prevent ice dams and related water damage. If your clients see signs of an ice dam forming on their home or business, remind them that professional removal services are available.
- Unsealed Drafts
Drafts around windows and doors can waste energy and leave property owners struggling to maintain comfortable indoor temperatures. While this winterization oversight might not be as detrimental to clients’ bank accounts as others, it’s easy for them to improve energy efficiency and reduce heating costs by doing things like sealing gaps with caulking or weather stripping and installing storm windows.
- Clogged Gutters
Blocked gutters can lead to water overflow and exacerbate ice-dam formation. Clogged gutters also increase the risk of basement flooding and structural water damage during heavy snowfall. Though no one wants to spend their free time on the roof, late fall is a great time to clean gutters and install gutter guards to ensure proper drainage. For clients who’d prefer to outsource the job, it’s a click or phone call away.
- HVAC Neglect
Heating systems not inspected before winter are prone to breakdowns or pose safety risks, such as fires or carbon monoxide leaks. Align your quarterly client reach-out with a reminder to schedule an annual HVAC inspection and replace their filters to keep systems running efficiently and safely.
Expanding Winter Risks: Snow, Ice, and Flooding
Winter weather is no longer limited to the usual suspects of cold regions. Climate change has brought snow, ice, and heavy rainfall to unexpected areas, increasing the risk of property damage.
Snow and Ice Challenges
Snow and ice pose unique risks to buildings, even in regions that rarely experience such weather. Sudden snowfalls can overload roofs, cause dangerous walkway conditions, and lead to water intrusion. Ice accumulation on trees and powerlines increases the risk of property damage and power outages. In addition to ensuring your clients have the insurance coverage they need, they may benefit from a few additional tips:
- Develop a snow removal plan for their home or business to clear walkways and roofs promptly.
- Trim overhanging branches that could break under the weight of snow or ice.
- Test backup power systems to ensure operational readiness during outages.
Winter Flood Risks
Heavy rainfall, combined with frozen ground or poor drainage, can result in winter flooding. Properties in areas with a history of storms or inadequate preparation are especially at risk — but even history isn’t necessarily a good indicator. With recent storms veering unexpectedly and reaching previously untouchable areas, it’s more crucial than ever to work with a broker whose access to expert underwriters only improves the industry’s reliance on CAT models. Plus, your clients can take the following proactive steps:
- Seal cracks in basements and foundations to prevent water intrusion.
- Install sump pumps or inspect existing ones to remove excess water.
- Evaluate landscaping to ensure water is directed away from the building.
- Secure important documents and valuable belongings in elevated, dry areas.
Addressing Weather Insurance Gaps with Jencap
No matter how well-prepared a property or business owner is, winter storms can still cause unexpected damage. Unfortunately, many insurance policies don’t cover every risk, leaving gaps in coverage for flooding, ice dams, or snow-related incidents. Jencap bridges these gaps with tailored insurance solutions. Whether it’s business interruption insurance and equipment breakdown coverage, or workers’ compensation and inland marine insurance, Jencap offers policies to protect against winter risks and their financial impact. Contact us to learn more about shoring up for any season.
