Preparing Your Property for Winter: What Insurance Won’t Cover (and What It Will)

Winter weather may increase the risk of property damage for businesses in Chester, NJ. Harbor Shield Brokers, LLC can help you understand how your policy may respond to winter-related claims and discuss ways to reduce potential losses.

Understanding Frozen Pipes and Maintenance

Commercial property insurance may cover water damage from frozen or burst pipes, but coverage can be denied if reasonable precautions are not taken. Leaving a building vacant without winterizing it or maintaining adequate heat can result in a denied claim. Insulating pipes in unheated spaces, such as storage areas and basements, can help businesses avoid this situation. Generally, if a pipe problem is deemed to have been caused by negligence or failure to fix an issue in a timely manner, claims may be denied.

Snow Load and Ice Dams

Heavy, wet snow can cause two distinct types of roof damage:

• Snow load: Most standard policies may cover damage caused by the weight of ice or snow, such as roof collapse.
• Ice dams: When melted snow refreezes along the roof’s edge, it creates ice dams that block proper drainage. While commercial property insurance may cover resulting interior water damage, it typically excludes the cost of dam removal and worn shingle repair.

The Role of Property Maintenance

Insurers distinguish between accidental damage and damage from deferred maintenance, and adjusters may review a building’s condition as part of the claims process. A few preventive steps can help:

• Gutters: Clearing debris each fall can prevent clogs that commonly lead to ice dam formation.
• Downspouts: Keeping these clear can help water drain away from the roof’s edge and foundation.
• Pipe insulation: Insulating pipes in exposed or unheated areas can reduce the risk of freezing and potential water damage.

Get Started Today

Our team can help you find coverage that aligns with your budget and priorities. Contact Harbor Shield Brokers, LLC to discuss your business insurance needs and get a free custom quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.