Picture arriving at your cottage on the first warm weekend of spring, looking forward to a relaxing lakeside retreat. Upon unlocking the door, instead of the inviting scent of cedar and old books, you hear running water and see a buckled floor. This is a familiar concern for cottage owners in Muskoka and Orillia: discovering that a winter of heavy snow and freezing temperatures has wreaked havoc on your sanctuary while you were away.
Winter in our region is undeniably beautiful, but it brings distinct risks to seasonal properties. At McLean & Dickey, our mission is to ensure peace of mind by providing our clients with the most complete insurance solution. We know you want to spend your time enjoying your “home away from home,” not managing repairs. To help you protect your investment, we have compiled essential tips to avoid common winter claims.
The Silent Destroyer: Water Damage
Water damage is arguably the most significant threat to cottages left unattended during the winter months. When temperatures in Ontario plummet, water left in pipes can freeze and expand, causing pipes to burst. This often goes unnoticed for weeks or even months, leading to catastrophic damage.
Recent data highlights the severity of this risk. According to BCAA, over half (53%) of all weather-related insurance claims are recorded between November and January.
How to prevent it:
- Drain the System: The safest route is to shut off the main water supply and drain all pipes, toilets, and appliances.
- Use Antifreeze: Pour plumbing antifreeze into drains and toilets to prevent any remaining water from freezing and cracking the porcelain.
- Maintain Heat: If you plan to visit during the winter, keep the thermostat set to at least 10–12°C (50–55°F) to keep the interior above freezing.
- Install Monitoring: Consider a smart water leak detector or low-temperature sensor that alerts your phone if conditions become dangerous.
The Heavy Weight of Winter: Snow and Ice
We all love a white winter, but the weight of snow on a roof can be formidable. In areas like Barrie and Muskoka, heavy snowfall combined with freeze-thaw cycles often leads to ice dams. These form when heat escapes from your cottage, melts the snow on the roof, and the water refreezes at the eaves. This ice barrier prevents drainage, forcing water to back up under the shingles and leak into your home.
How to prevent it:
- Insulate the Attic: Proper insulation keeps the roof deck cold, preventing the melt-freeze cycle that creates ice dams.
- Clear the Roof: If snow loads become excessive, hire a professional to clear the roof. Avoid doing this yourself if possible, as it can be dangerous.
- Clean Gutters: Ensure gutters and downspouts are free of leaves and debris before the first snowfall to allow proper drainage.
Fire Risks in Seasonal Homes
Fire is a devastating peril, particularly for cottages located in remote areas where emergency response times may be longer. Heating systems that are pushed hard after sitting idle, or alternative heating sources like wood stoves, increase the risk.
How to prevent it:
- Chimney Maintenance: Have your chimney cleaned and inspected annually to remove creosote buildup.
- Space Heater Safety: If you use space heaters, plug them directly into wall outlets (never extension cords) and keep them at least three feet away from flammable materials.
- Inspect Wiring: Rodents looking for warmth can chew through electrical wiring. Inspect visible wires for damage before turning circuits back on.
The McLean & Dickey Difference
Even with the best preparation, winter can be unpredictable. That is why having the right partner is crucial. We are Orillia’s only locally independently owned and operated insurance brokerage, and we have been providing outstanding insurance solutions since 1922.
We do not just sell policies; we advocate for you. In the event of a claim, we advocate on your behalf to negotiate the best possible settlement. We review your policy to ensure that you are protected against specific winter risks, such as water damage or ice dams.
Don’t wait until the spring thaw to find out if your coverage was adequate. Contact McLean & Dickey today for a free consultation, review your winter insurance needs, and ensure your cottage is protected — so you can enjoy peace of mind throughout the season.