Winter Property Risks | Preventing Frozen Pipes and Water Damage

Winter Property Risks: Helping Clients Avoid Preventable Damage

Winter property losses can be among the most disruptive — especially when damage goes unnoticed.

Cold temperatures, vacant properties, and delayed detection all increase the likelihood that minor issues become major problems during winter months.

Common winter property risk factors

Winter property exposure often includes:

• Frozen or burst pipes

• Vacant or lightly occupied buildings

• Temperature fluctuations during cold snaps

• Delayed discovery of water damage

Water-related losses, in particular, can escalate quickly when properties aren’t regularly checked.

Why winter damage escalates

Winter damage often isn’t immediately visible. Pipes may freeze and thaw overnight. Leaks may spread behind walls or ceilings before anyone notices. Vacant or seasonal properties can go days or weeks without inspection.

The longer an issue goes undetected, the more extensive — and disruptive — the resulting damage tends to be.

Agent conversations that matter

Agents don’t need to provide technical instructions to add value. Instead, they can prompt clients to consider:

• How often properties are checked during winter

• Whether occupants know where water shutoffs are located

• If heating systems are properly maintained

• What steps are taken if a problem is discovered

These conversations help clients feel supported and prepared, without creating unnecessary alarm.