Winter Damage Doesn’t Discriminate — But Elite Coverage Makes All the Difference

When temperatures drop, the risks to luxury properties rise. From frozen pipes to roof collapses, winter weather can cause extensive and expensive damage to high-end homes. For homeowners with valuable real estate and assets, taking preventive steps and ensuring proper insurance coverage is critical during the coldest months of the year. 

Know Your Risks

Winter damage often starts subtly--a small draft, a slow drip--but it can quickly escalate. Frozen pipes can burst, causing water damage to hardwood floors, custom cabinetry, or rare art collections. Ice dams on roofs may lead to interior leaks, damaging plaster walls or high-end finishes. Power outages from storms can also compromise heating systems and security equipment. 

Coverage That Counts

Standard homeowners’ insurance may fall short when it comes to high-value homes. Policies tailored to private client needs include: 

• Comprehensive water damage coverage, including protection for burst pipes and ice dams. 

• Replacement cost coverage for luxury materials and custom craftsmanship. 

• Protection for fine art, antiques, and collectibles, which should be scheduled separately. 

• Loss prevention services, such as risk assessments or access to preferred vendors for emergency repairs. 

Winterizing Best Practices 

• Keep the thermostat at 60°F or higher, even when the home is vacant. 

• Install smart leak detection and automatic shut-off systems. 

• Ensure attic and roof insulation are up to standard. 

• Have generators professionally maintained and tested before the season. 

• Prevent ice damming on the roof by installing heated roof cables, cleaning the gutters before winter, and ensuring proper attic ventilation. 

  
  

Winter weather can be unforgiving, but with the right preparation and tailored insurance coverage, you can protect your property, and your peace of mind, no matter how low the temperature drops.