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Plan & Protect
Reduce risks and enjoy peace of mind with these tips and insights to protect what matters most.

If pipes freeze, a business or school could be forced to close temporarily if safe conditions cannot be assured. Certain types of buildings and occupancies are more susceptible to extreme cold, and when they do experience a freeze, the damage can be greater than in other types of buildings.
For buildings designed to make use of the heat generated by its human occupants, long periods of vacancy during extreme cold can cause temperatures to drop below freezing. In addition to the lack of protection, failure or disruption of these important fire protection systems can also be expensive to repair.
Churches, schools and multi-tenant mercantile buildings are especially at risk when they are unoccupied for several days at a time, especially during a holiday break or recess.
Fire protection equipment – including water mains, extinguishers, hydrants, sprinkler systems and post indicator valves – can be extremely vulnerable to drops in temperature during severe winter weather. Post indicator valves are the cast iron vertical indicator posts designed to operate the control valve of an automatic fire sprinkler system. If a fire occurs, frozen equipment could result in insufficient means to contain the fire.
This loss control information is advisory only. The author assumes no responsibility for management or control of loss control activities. Not all exposures are identified in this article. Contact your local, independent insurance agent for coverage advice and policy service.