Here at Fitts Insurance, we took MANY water pipe claims this week. Our mild winter came to an abrupt end with the record freezing temps this past weekend. Frozen pipes, burst pipes, flooding, water damage, and the resulting clean up were on tap for some clients. And though we may be out of the deep freeze at the moment, there is still some winter left to weather.
The following information on how to prevent or deal with frozen pipes may be needed next week or next winter. In either case, this is information that homeowners, tenants, and businessowners alike should know or have on hand as a reference for when it is needed.
There are three common causes of frozen pipes according to the American Red Cross and any one, or a combination of them, can cause a pipe problem:
Not all pipes need special care but those that are exposed to the outdoors, nearest the building’s outer walls, or under the foundation are the ones that are most at risk. And since Mother Nature is beyond taming, that leaves us with doing our best to protect ourselves and our property from her harsher moods. So what can you do?
Having done all you can, you still may find it was not enough and your pipes have frozen. Now what? Here are a few options to try:
Should you find that in spite of your efforts, the pipe remains frozen, keep the faucet(s) open and call a plumber immediately.
You can find more information, pictures, diagrams, step by step instructions and video at: http://www.wikihow.com/Prevent-Frozen-Water-Pipes
Should you have a claim from a frozen pipe or have a question, you can call us at 508-620-6200 or email us at email@example.com. You can also put a claim in directly by contacting your company. Claims information for your company can be found on our website: www.FittsInsurance.com.
Each season comes with joys, events and a list of things to do while it’s here. Fall is no different with its beautiful colors, fairs, harvest bounty, Thanksgiving, as well as changing temperatures, hurricanes, tornados, early freezes and the ever possible nor’easter with howling winds and driven snow. The gardens must be closed, outdoor equipment put away and the house gotten ready because we know winter is not far behind. For us hardy New Englanders, we take these changes in stride; after all, we have chosen to live here. (Though after last winter, we are asking Santa for a milder winter and are praying to the weather gods for mercy this year!)
While we would love to be able to help ALL of you with your fall and winter tasks and then share a favorite beverage, the best help we can offer is our insurance expertise in the form of information and education about insurance coverages that can help when even the best preparations fail. That is what this newsletter, the monthly emails, our Facebook posts and mailings are all about. We can’t call and personally speak to ALL our insureds on every topic, so we use the other avenues available to us to keep you informed. We promise that we will be here if you call us with questions or need more information or a quote on coverages.
So here are some seasonal tasks that are good loss control measures and may help you avoid a claim:
When you own a home, there is a rhythm to its upkeep and care dictated by the seasons. Unfortunately, that rhythm is counterintuitive; if it’s hot out, think winter prep; if it’s sunny, think waterproofing and roof issues; if it’s fall, think spring gardens.
2015 gave us an historic winter that was rough on everyone and on our properties. Ice dams, water damage, roof issues, and damaged landscaping, were just a few issues we may have had to deal with. But we are New Englanders and we learn from it and take action against a future repeat. We know that summer fixes can help ward off winter wallops. Now that summer is in full swing, here are a few things that might pertain to your home that are best done in summer to avoid problems when it is colder and harder to access the areas needing help.
Weatherstripping – you don’t want to loose heat (or cold air from your air conditioners either) through cracks and spaces in window sills and doors.
Landscaping issues – transplanting areas that are overgrown, pruning trees and shrubs that can break when laden with snow and ice, even planting for fall gardens. Driveways can be sealed, sidewalk issues fixed and any areas that tend to pond or flood can be corrected.
Buy supplies now for heating – oil, wood, pellets are usually less expensive now than when they are in high demand during winter months.
Roof and chimney issues – easier to access and correct when leaves are not falling, rain isn’t a constant factor and snow and ice are not present. Ice dams created havoc last winter, prepare for them now so as to avoid a repeat.
Heating Systems – now is a good time for boiler inspections, furnace tune ups and cleanings so they are ready to work well when the time comes for their heavy usage.
General fix ups – sagging gutters, tilted shutters, cracked windows, chipping paint, rusting railings, leaning fences, cracking foundations and stairs – with a little maintainence now, you can avoid bigger fixes (and more money) later as they get worse.
Here’s hoping the upcoming winter sets new records for the perfect amount of snow for winter sports but not enough to cause traffic issues or problems with our homes!
Fitts Insurance Agency, Inc.
2 Willow Street, Suite 102
Southborough, MA 01745
We have been hearing – almost daily – about the roofs that have collapsed in our area due to the weight of the snow and ice on them. We have also been hearing of damage that has occurred when ice chunks and snow slides have fallen from roofs onto property, vehicles or people below them. And if you take a quick drive you will easily see several buildings and homes with picturesque snow mounds and icicle colonies right on the edge of the roof just ready to take the plunge earthward……and hopefully no one is near when that happens.
So, we can not stress strongly enough that if you can safely take actions to prevent any of these things from happening with your property you should and if not, looking into hiring a company that can. Beside observation, you should also be aware of signs that a roof is overburdened with snow, such as creaking noises, windows and doors that won’t open, or the appearance of sagging in roof trusses or beams. If any of these signs appear, evacuate the building quickly and safely, and contact your snow-removal and insurance professionals.
Read more in this article from Erik Olsen, from Chubb Group.
Careful roof inspections and routine maintenance are important year-round, but become critical as temperatures drop and the potential for snow increases.
A Watchful Eye One of the most important preventative measures you can take to protect a roof against snow and ice damage is inspecting it on a regular basis. If conditions allow safe access to the roof, your engineering or facilities staff should make sure roof drains are clear and operating properly, and ice isn’t accumulating near the roof’s drains or perimeter flashing. If ice forms a dam near the roof’s edge or around drains, for instance, it can damage the roof’s membrane and allow water to penetrate below the roof causing severe water damage.
The inspection should also evaluate the general condition of the roof, and should include signs of damage such as unprotected roof penetrations or bolted connections from telecommunications or solar equipment that has been installed on the roof.
Protecting Against Collapse A catastrophic risk for commercial buildings is the potential for collapse if the roof is not able to support the weight of accumulated snow and ice.
In snow-prone regions, older buildings may not have been designed for accumulated snow (or may be vulnerable to large snow drifts in a corner of the roof). Similarly, buildings with large, long expanse flat roofs — such as warehouses — may be more vulnerable to collapse than buildings with slanted or shorter span roofs.
Because the weight of snow can vary considerably according to its moisture content, there are no hard-and-fast guidelines for how much snow is too much for a roof. In general terms, though, if a storm accumulation approaches a foot, it’s a good idea to consider having snow removed from the roof’s surface.
To reduce the risk of workers damaging the roof or the potential for falls, it’s a good idea to bring in a contractor with the experience and equipment needed to remove snow safely from a roof. You should meet with the contractor, ideally long before a storm, to inspect the roof and review plans to bring equipment onto the roof and to remove accumulated snow. An important consideration is how they would remove it, ideally in an even fashion so as to prevent uneven weight distribution, and where they would place the relocated snow around the perimeter of the structure.
Those discussions should also include, for instance, the contractor’s use of fall-protection procedures and equipment, and measures to reduce the risk of people near the building being struck by blown snow or falling ice.
Signs of Danger Property managers and tenants should also be aware of signs that a roof is overburdened with snow, such as creaking noises, windows and doors that won’t open, or the appearance of sagging in roof trusses or beams.
If any of these signs appear, evacuate the building quickly and safely, and contact your snow-removal and insurance professionals.
Erik Olsen is an assistant vice-president and senior risk loss control property specialist with the Chubb Group of Insurance Companies.
A brutal blast of cold weather is going to hit over the next few days. It’s not too late to take simple and critical action to prepare for freezing weather and prevent catastrophic damage to your organization or home.
25% of businesses involved in a major property disaster do not reopen.*
Now is the time to take preventative steps to protect your house or organization from freezing conditions by utilizing PHLY’s POINT system. Visit PHLY.com/POINT or click below to watch a video on preventing pipe freeze and subsequent water damage. You’ll also find other winter weather checklists and tips that you can download to help you survive this record New England winter.
|*Source: Insurance Institute for Business and Home Safety|