Winter in British Columbia brings its fair share of challenges—plummeting temperatures, heavy snowfalls, and icy conditions. For commercial property owners and managers, understanding how winter weather impacts insurance claims is crucial to protecting assets and minimizing disruptions.

Common Winter Weather Risks for Businesses

Water Damage Risks

Water damage is one of the most common winter claims. Freezing temperatures can cause pipes to burst, resulting in flooding and costly repairs. Sprinkler systems and water heaters are also vulnerable to failures in extreme cold. Additionally, rapid snowmelt and clogged drains can cause water to pool inside buildings, leading to damage to floors, walls, and equipment.

Structural Damage Risks

Heavy snow and ice accumulation can strain roofs, gutters, and awnings, leading to collapses. This is especially risky for older buildings or structures not designed to withstand significant snow loads. Icicles and frozen snow hanging from eaves also pose serious hazards to people walking below.

Increased Liability for Slip and Fall Accidents

Snow-covered walkways, icy parking lots, and slippery stairs significantly increase the risk of slip-and-fall incidents. Business owners and property managers are legally responsible for maintaining safe premises. Failing to address icy conditions can lead to costly liability claims from injured customers or employees.

Crime Risks During Winter

Winter storms can leave construction sites and businesses unattended for days, increasing their vulnerability to theft and vandalism. Unoccupied offices during severe weather events also make attractive targets for burglars. Crime-related claims may rise slightly in winter, but the types of incidents vary, from break-ins to employee dishonesty.

Preventative Measures to Minimize Risks

Preparing for Winter Weather

Preventative maintenance is the first line of defense against winter weather hazards. Here’s how you can prepare:

• Inspect Pipes and Insulation: Ensure pipes are properly insulated to prevent freezing. Repair leaks and replace aging pipes before temperatures drop.
• Reinforce Roofs and Gutters: Check for signs of wear and tear on roofs, gutters, and downspouts. Clear debris to prevent blockages that could lead to ice dams.
• Update Drainage Systems: Ensure water from melting snow is directed away from buildings to prevent flooding.

Snow and Ice Removal Strategies

Timely snow removal is essential for reducing liability risks. Whether you handle snow removal in-house or contract it out, consider these best practices:

• Act Quickly: Clear snow and apply salt immediately after a snowfall to prevent ice buildup.
• Reroute Foot Traffic: If an area remains hazardous, redirect people to safer pathways.
• Hire Reliable Contractors: Ensure snow removal contractors are insured and equipped to meet your needs. Include clear terms and timelines in your contract to avoid disputes.

Business Continuity and Emergency Planning

Winter storms can disrupt business operations, making continuity planning critical. Key steps include:

• Assemble an Emergency Response Team: Assign roles and responsibilities to ensure swift action during a storm.
• Stock Emergency Supplies: Prepare a disaster kit with essentials like flashlights, batteries, and first-aid supplies.
• Maintain Digital Backups: Store important documents, photos, and videos online or offsite.

Filing a Commercial Insurance Claim After a Winter Incident

Assessing Damage and Taking Initial Steps

After a winter incident, quick action can mitigate further damage and streamline the claims process. Start by:

• Documenting all damage with photos and videos.
• Securing the property to prevent additional losses (e.g., turning off water for burst pipes).
• Notifying your insurance agent as soon as possible.

The Insurance Claim Process

Understanding the steps in the claims process can help you navigate it more efficiently:

1. Contact Your Broker: Share detailed documentation, including before-and-after photos, to expedite the process.
2. Work with Adjusters: Be prepared for delays during peak claim periods, but stay proactive in communicating with adjusters.
3. Plan for Repairs: Anticipate competition for contractors and materials, which may affect repair timelines and costs.

Potential Challenges and How to Address Them

Winter often brings unique challenges, such as limited access to affected areas due to snow or ice. Additionally, high claim volumes can delay adjuster assignments. Having a comprehensive disaster plan and staying in close contact with your insurance provider can help overcome these obstacles.

The Role of Comprehensive Insurance Coverage

Identifying Coverage Gaps

Reviewing your insurance policy with a broker can help you identify and address coverage gaps. For example:

• Does your policy cover water damage from burst pipes?
• Are structural damages from snow and ice included?
• Do you have adequate liability coverage for slip-and-fall incidents?

A thorough review ensures you’re not caught off guard when filing a claim.

Winter weather in BC poses significant challenges for businesses, from water damage and structural risks to liability claims and crime. By taking preventative measures, preparing for emergencies, and understanding the claims process, you can minimize risks and protect your business. If you are curious if your current policy protects you from these scenarios, or are looking to get a new policy, contact one of our brokers today.