New England winters are known for their unpredictability. Keeping your business operations running smoothly and safely this winter depends on being prepared for whatever winter weather might bring. Below are a few steps you can take to address the most common problems that cause property damage in winter.

Cold Air in Enclosed Spaces

  • Inspect concealed spaces for gaps in wall materials; water pipes in these areas can freeze if unprotected.
  • Keep these spaces warmed to at least 50° F or use certified heat tape

Sprinkler Systems and Related Equipment

  • For wet-pipe systems, keep building temperatures at 50° F, including enclosing a riser equipped with a dry pipe valve.
  • Dry pipe systems should be drained at the low point before the onset of cold weather.
  • Service and inspect all hydrants, tanks, fire dept. connections and sprinkler system accessories before the onset of cold weather.

General Building Protection

  • Inspect vacant properties or unoccupied areas of a building during cold weather to be sure heating systems are functioning correctly.
  • Identify sources of cold air infiltration and repair leaks or seals.
  • Inspect roofs to be sure they can withstand snow loads; remove snow from roofs if roof strength is in question.
  • Keep gutters, downspouts, and roof drains clear to avoid clogging and freezing.

Preventing Ice Dams

  • Increase insulation above ceilings inside the building.
  • Consider the use of heating cables to prevent ice dams.
  • Increase ventilation in attic spaces.
  • Inspect roofs for evidence of standing water (mold, mildew, vegetation) that might indicate future problems, and contact a roofing contractor to address the situation.
  • SAFELY remove snow with a roof rake or stiff-bristled broom when ice dams have been a problem (always follow OSHA guidelines for worker safety during roof work).

Responding to a Heat Loss Event

  • Drain any equipment that contains water that could freeze if the temperature drops.
  • Investigate sources of temporary heat to be prepared for low temperatures.
  • Train security or maintenance/facility personnel on how to close automatic sprinkler valves if a leak or break should occur.

Taking the above steps and performing routine property maintenance can be vital to preventing property damage during winter and throughout the year.

Source:  Hanover Insurance

Read Other Blog Posts

Work Meeting 1200

Health Plan Eligibility: Do’s and Don’ts

Employers have flexibility when defining health plan eligibility, but that discretion is limited by federal requirements under ERISA, the ACA, HIPAA, and Medicare rules. This overview outlines key eligibility do’s and don’ts to help employers stay compliant and avoid costly mistakes.
Man writing next to computer

Why Timely Notice Matters Under Claims-Made Liability Policies

Claims‑made liability policies require more than just having coverage in place. Timely notice of claims or potential claims is critical to preserve coverage and avoid unexpected gaps. This article explains how claims‑made policies work, how to identify if your policy is claims‑made, and practical steps businesses can take to stay protected.
Insurance Checklist for Owners of Vacation Rentals in New England

Insurance Checklist for Owners of Vacation Rentals in New England

Vacation or seasonal rentals in New England face unique risks, including vacancy, severe weather, and increased liability. Use this insurance checklist to ensure your second home or short-term rental has the right protection in place.
Building Safety Month Why It Matters for Property Owners and Insurance Protection

Building Safety Month: Why It Matters for Property Owners and Insurance Protection

Building Safety Month in May is a timely reminder that protecting your property starts with proactive safety practices. From routine maintenance to understanding insurance coverage, taking the right precautions can help property owners reduce risks, prevent costly damage, and ensure their homes or buildings remain safe and well protected.
Board Meeting 1200 (1)

Essential Roles of the Board in a Complex Risk Landscape

As risk environments grow more complex, boards of directors play a critical role in overseeing risk management and governance. This article explores essential board responsibilities, strategies to strengthen risk oversight, and how insurance solutions like D&O coverage can support today’s leaders.
Murphy Insurance Proudly Sponsors the Groton Road Race

Murphy Insurance Proudly Sponsors the Groton Road Race

Murphy Insurance Agency is proud to sponsor the 2026 Groton Road Race on May 3. With 5K, 10K, and Fun Run options, this beloved local event brings runners and families together to celebrate community, health, and one of Groton’s best traditions.

Financial Literacy Month: Building Confidence in Your Financial Future

April is Financial Literacy Month, a time to strengthen your understanding of budgeting, saving, and planning. From managing daily expenses to protecting your assets with the right insurance, financial knowledge helps you make smarter decisions and build a more secure future.
500 Blog Posts

500 Blog Posts and Counting: A Milestone Worth Celebrating

We are celebrating our 500th blog post, marking years of consistently helping clients, partners, and communities navigate the complexity of insurance, reduce risk, and make more informed decisions through clear, practical, and easy-to-understand guidance they can rely on every day.
Mardi Gras 2

Mardi Gras: Taste of the Chamber Brings Local Flavor and Networking to Marlborough

Murphy Insurance proudly sponsored and attended the Mardi Gras: Taste of the Chamber event hosted by the Marlborough Regional Chamber of Commerce. Laura and Aida joined local businesses and community leaders for an evening of networking, great food, and celebration while supporting the region’s vibrant business community.

Visit Our Business Insurance Page

Business Insurance

Murphy Insurance stands as your steadfast partner in safeguarding your business from unforeseen challenges in today’s dynamic business landscape. In an era where comprehensive business insurance is not just a prudent choice but a vital one for ensuring the long-term stability and security of your enterprise, we are here to offer our expertise. Running a business inherently entails various risks that can potentially impact your financial stability and reputation. Learn more about our comprehensive business insurance solutions, which are meticulously designed to protect you from these potential threats, granting you peace of mind necessary to focus on the growth and prosperity of your business.