Winterizing cottages: Risks of property damage and insurance denial

As colder weather approaches, owners of recreational properties must take specific precautions to avoid significant damage and potential insurance claim denials. Key risks include frozen pipes, which can cause extensive flooding if water is left in plumbing, boilers, or tanks, and theft due to inadequate security.

To mitigate these risks, experts recommend shutting off the main water supply and thoroughly draining all pipes and appliances. Alternatively, maintaining a temperature above freezing is an option, though this carries risks during power outages or boiler failures. Installing temperature sensors or water leak detectors can provide additional protection.

Insurance companies may reduce or refuse payouts if damage results from neglected maintenance or failure to follow contractual obligations. Owners should verify that their coverage amounts reflect current property values and that security measures, such as locks, meet policy requirements. It is also advised to inspect roofs, gutters, chimneys, and electrical systems before leaving the property unattended.