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Winter storms can bring a whole array of exposures to your buildings and operations. Some regions of the country have experienced record-breaking snowfalls in recent years, which in turn has increased the hazard of roof collapse. All properly built roofs need to be built to withstand snow and ice loads. Building codes and roof loads vary across the U.S. and are based on historical data, such as the expected frequency and severity of snowstorms in that particular region.

Winter Protection for BusinessThe full guide to risk control is provided by The Travelers Indemnity Company and can be found here

Almost every building in North America is subject to severe winter weather, such as blizzard conditions, ice storms and severe cold (Arctic Freeze). This is true not only of facilities located in the central and northern portions of the continent, but also has occurred in areas as far south as Florida and Texas. Indeed, loss histories indicate the areas that are most vulnerable to damage are the southern portions of the country because they are not accustomed to long periods of prolonged cold. 

For these reasons, it is important that every facility prepare in advance for the possibility of severe winter weather. The following checklist provides a starting point in developing a comprehensive plan to prevent unnecessary losses that can result from winter weather conditions.

You can find a valuable “Winter Weather Checklist” provided by The Travelers Indemnity Company at

Buildings being newly constructed or renovated are not exempt from the potential for property loss. This is especially true during the winter months when there can be an increase in the use of temporary heating devices, snow and ice accumulation on roofs, combustible or flammable materials being stored indoors and trespassers seeking shelter.

Tips for “Winter Property Preservation” provided by The Travelers Indemnity Company can be found by visiting

For Business/Commercial Insurance in New Jersey and New York, please contact our office to speak to one of our expert agents.

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