When temperatures drop, the risks to commercial buildings rise. From frozen pipes and roof damage to slip-and-fall hazards, winter weather can quickly turn into costly insurance claims if your property isn’t prepared. A little preventive maintenance can go a long way in protecting your building, your tenants, and your bottom line. At Skyscraper Insurance, we help business owners stay one step ahead of seasonal risks. Use this 12-point checklist to winterize your commercial property and avoid expensive surprises this season.
1. Inspect Your Roof and Gutters
Your roof is your first line of defense against snow and ice. Inspect for loose or damaged shingles, flashing gaps, and areas where water can pool. Clean out gutters and downspouts to ensure proper drainage. Clogged gutters can cause ice dams, leading to leaks and structural damage inside your building. Consider installing gutter guards or heating cables in areas prone to freezing.
2. Check Insulation and Sealing
Heat loss not only raises utility costs but also increases the risk of frozen pipes. Inspect insulation around attics, walls, and crawl spaces to keep warm air inside. Seal gaps around doors, windows, and vents to prevent drafts. Proper insulation also helps maintain even indoor temperatures, which is critical for protecting sensitive inventory and equipment.
3. Service Your Heating System
Before the first cold front hits, have your HVAC or furnace professionally inspected. Replace filters, clean ducts, and test thermostats to ensure systems are running efficiently. Backup heating systems, such as space heaters, should be used with caution and kept away from flammable materials. Properly maintained heating reduces downtime and the risk of fire or carbon monoxide incidents.
4. Protect Plumbing and Pipes
Frozen pipes are one of the most common winter insurance claims. Insulate exposed pipes in basements, attics, and exterior walls. If your building has vacant units or unused areas, keep the heat on low to prevent freezing. Know where your main water shut-off valve is and make sure staff can access it quickly in case of an emergency.
5. Inspect Fire Protection Systems
Fire suppression systems can fail if exposed to freezing conditions. Check sprinkler systems, hydrants, and fire pumps for proper operation. If you have dry pipe systems, ensure the air pressure is within recommended limits. Confirm that fire extinguishers are serviced and accessible. Winter is also a good time to review your fire safety plan with tenants or employees.
6. Prepare for Snow and Ice Removal
Develop a snow removal plan before the first storm. Contract reliable snow and ice removal services and clarify responsibilities in writing, especially if you manage multiple properties. Keep walkways, stairs, and parking lots clear to prevent slip-and-fall accidents — one of the most frequent sources of liability claims during winter. Stock up on ice melt and mark curbs and hydrants with reflective stakes for visibility.
7. Check Doors, Windows, and Entryways
Cold air can seep in through gaps around windows and doors, putting stress on heating systems. Install or replace weatherstripping and caulking where needed. Entry mats can reduce water tracked inside, helping prevent slippery floors. Automatic door closers should be tested to ensure they shut completely and securely.
8. Inspect Electrical Systems
Increased heating demands can overload electrical systems. Have a licensed electrician inspect panels, outlets, and wiring. Look for frayed cords or outdated extension cables used for temporary heating or lighting. Power surges during storms can damage equipment, so surge protectors or backup generators should be tested and ready.
9. Review Roof Access and Drainage Systems
Flat roofs are especially vulnerable to snow load and ponding water. Ensure that drains, scuppers, and roof hatches are clear and accessible. Train maintenance staff on safe snow removal procedures and avoid using sharp tools that could puncture membranes. Consider installing snow guards or heating systems to prevent excessive accumulation.
10. Check Exterior Lighting and Security
Shorter daylight hours mean increased reliance on exterior lighting for safety and security. Inspect and replace burned-out bulbs in parking lots, walkways, and entrances. Motion-sensor lighting can deter theft or vandalism and reduce liability for nighttime visitors. Ensure security cameras and alarm systems are working properly and protected from weather damage.
11. Communicate with Tenants or Employees
Whether you manage an office building, retail space, or industrial property, communication is key. Share your winter safety plan, including how to report maintenance issues and who to contact in case of emergency. Encourage tenants to report leaks, icy spots, or power problems immediately. Clear communication helps prevent small issues from becoming major claims.
12. Review Your Insurance Coverage
Even with the best preparation, accidents happen. Review your Commercial Property Insurance and General Liability coverage to make sure limits are adequate and deductibles make sense for your current situation. If you’ve made improvements or added equipment this year, update your policy to reflect those changes. Ask your Skyscraper Insurance advisor about Business Interruption Coverage, which can help replace lost income if winter weather temporarily shuts down your operations.
Stay Prepared and Protected
Winter doesn’t have to be stressful when your property and policies are ready. By taking proactive steps now, you can prevent costly damage, avoid downtime, and protect your employees and customers all season long.
At Skyscraper Insurance, we help property owners and managers stay covered through every season. From commercial property and liability to business interruption and workers compensation, our team ensures your coverage is as strong as your buildings.
👉 Download the Winter Prep Checklist and make sure your property is ready for whatever the season brings.
