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.
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.
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.
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.