5 Parts of the House Vulnerable to Wet Winters

Whether policyholders are bracing for icy temperatures or wetter-than-usual conditions, adjusters should prepare for potential property damages 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 resources to help you know what to expect.

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, and this water runs toward the roof edges. But this water refreezes at the colder overhanging edges and eaves, causing an ice dam. Over time, the dam can cause water to back up under the shingles and leak into the house, resulting in potential damage to walls, ceilings, and insulation. This article on water-related structural claims provides an in-depth look at how homes can suffer from these winter issues.

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 efficiency with which the drainage system works and can lead to water damage if the trapped water overflows or seeps into the home’s structure.

Basement and Foundations

Basements and foundations are inherently vulnerable to water damage, especially during winter. 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. Moreover, as the ground saturates and then freezes, it can expand, which may cause cracks in the foundation. This article on moisture exposure and its impact on foundations provides a detailed examination of how water can compromise the very base of a structure, leading to long-term issues if not addressed promptly.

 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 signs are not just cosmetic issues; they indicate more profound structural problems that can compromise the integrity of a home. This guide on water loss sources provides clarity on this topic, offering professionals insights into identifying and addressing these issues.

This dining room’s ceiling has visible water damage.

Insulation

Insulation is another critical component that’s susceptible to winter losses. Insulation that becomes wet doesn’t just lose its ability to retain heat; it can also 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. This guide on residential insulation can help you learn the types of insulation that may be present in a home.

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 the pipes to rupture and then leak when the ice melts. The aftermath is not just limited to the immediate water damage but can have far-reaching consequences for the home structure and electrical systems. This comprehensive guide on residential pipe-freezing conditions sheds light on this pressing concern, providing strategies for prevention and mitigation.

A pipe ruptured due to expanding from freezing.

While winters pose challenges, being informed and proactive can help prepare you for resulting claims. Insurance professionals and claims adjusters, armed with knowledge from resources like those on our Alpine Intel Resource page, can better serve their clients and address claims. Submit an assignment today to get your questions on winter-related claims answered!