5 Parts of the House Vulnerable to Wet Winters

Key Takeaways

In this article, you’ll learn:

• Which areas of a home are most prone to water- or moisture-related structural losses
• How winter-weather-related damage can occur on structures
• How water- or moisture-related damage may appear in claims

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Whether policyholders are bracing for icy temperatures or wetter-than-usual conditions, adjusters should prepare for potential property damage caused by fluctuations in precipitation and temperatures.

Changes in rain and temperature patterns can lead to higher chances of flooding and ice in areas typically dominated by snow during winters, but freezing conditions also cause losses. This article highlights five house areas most vulnerable to winter-related damage and how those losses may occur.

1. Roof and Gutters

One of the most daunting implications of these changing weather conditions is the formation of ice dams on roofs. Heat from the house can accumulate under the roof and melt the base layer of snow. This water runs toward the roof edges, but refreezes at the colder overhanging edges and eaves, causing ice dams. Over time, the dams can cause water to back up under the shingles and leak into the house, resulting in potential damage to walls, ceilings, and insulation.

An ice dam formed on the roof because of wet and icy winter conditions.

Ice and debris can cause gutters to become blocked. This obstruction affects the drainage system’s efficiency and can lead to winter water damage if the trapped water overflows or seeps into the home’s structure.

2. Basement and Foundations

Basements and foundations are inherently vulnerable to winter water damage. Increased groundwater levels mean basements are at a higher risk of flooding, and the foundation walls are at a higher risk of wall-bending failure. As the ground saturates and then freezes, it can expand, which may cause cracks in the foundation.

 3. Walls and Ceilings

Water intrusion doesn’t stop at the roof or foundation. Walls and ceilings can show this with water stains and interior damage. While external factors like rainfall and groundwater levels play a significant role, internal issues such as pipe leaks can also contribute. These indicators may suggest more profound structural problems that can compromise the integrity of a home.

This dining room’s ceiling has visible water damage.

4. Insulation

Insulation is another critical component that’s susceptible to winter losses. When insulation becomes wet, it loses its ability to retain heat and can become a breeding ground for microbial growth. Microbial growth affects indoor air quality and can lead to health issues for home occupants. Additionally, wetted insulation can compromise a home’s energy efficiency, leading to higher heating costs during the cold months.

5. Plumbing

Plumbing remains one of the most critical systems at risk during colder months. Pipes, especially those in exposed or uninsulated areas, can freeze during cold snaps. When water inside these pipes freezes, it expands, which can cause ruptures or leaks when the ice melts. The aftermath can have far-reaching consequences for the structure and electrical systems.

A pipe ruptured due to expanding from freezing.

While winter weather poses challenges, being informed and proactive can help insurance professionals, property owners, and adjusters prepare for resulting claims. Donan Engineering, part of the Alpine Intel suite of services, leverages the latest in technology to ensure unbiased findings across an array of property losses with perils including wind, lightning, hail, fire, flood, water, and more. Submit an assignment today.

Engineering services are provided by or subcontracted to Donan Engineering, LLC, Donan Engineering NC, PLLC, or Donan Forensic, LP.

Alpine Intel’s content is meant to inform and educate readers using general terms and descriptions. They do not replace expert evaluations that determine facts and details related to each unique claim.