Winter Weather Protection Tips for Canadian Homeowners
Across much of Canada, winter weather is in full force. Cold temperatures bring more than cozy nights by the fireplace. They also present risks of property damage from snow, ice and freezing conditions.
As a homeowner, there are proactive steps you can take to winterize your home and reduce the chance of costly winter-related losses such as frozen pipes, ice dams, roof leaks and structural damage from heavy snow loads.
Install a Water Leak Detection System or Alarm
Water damage is one of the leading causes of property loss. A leak detection system can alert you to unusual water flow and, depending on the model, automatically shut off your main water supply. This is especially valuable for seasonal or unoccupied homes. Contact your home insurance broker if you install this type of system, because it may make you eligible for a policy discount.
Add a Low-Temperature Monitor to Your Existing Alarm System
This device alerts your monitoring company if your home’s temperature drops below a set threshold, helping prevent frozen pipes. Like leak detection systems, these monitors may also make you eligible for a policy discount — check with your broker.
Maintain The Temperature During Periods of Extreme Cold
During extreme cold snaps, keep your home heated to at least 18°C (65°F). Lower temperatures increase the risk of frozen and burst pipes, even in insulated areas.
Understand and Prevent Ice Dams
Ice dams form when heat from your attic melts roof snow, which then refreezes at the eaves and gutters. This can lead to water backing up under shingles and into your home. To prevent ice dams:
- Have a licensed contractor check and improve attic insulation and ventilation.
- Clear roof snow promptly after heavy snowfall.
- Consider installing heating cables along roof edges and gutters.
Prevent Snow Load Damage
Heavy snow accumulation can stress roofs, decks and other structures, leading to collapse or costly repairs. To reduce risk:
- Regularly remove excess snow from roofs using a roof rake or hire a professional for safe removal.
- Ensure your roof is structurally sound and meets local building codes for snow load capacity.
- For flat or low-pitch roofs, pay extra attention to ice buildup and pooling water.
These steps can help protect your home from the hazards of a Canadian winter. If you make upgrades or have questions, reach out to your personal insurance broker to discuss coverage options and keep your property safe for years to come.
