How to Minimize Property Damage Caused by Freezing

Supporting our Subscribers in reducing risk and minimizing loss is key to our mission of building a safer healthcare system. A large part of this effort is collaborating with other insurers to offer Subscribers the most comprehensive and tailored coverage available. Ensuring you and your teams have the right coverage and information for decision-making is a top priority.

The following article, provided by our partners at HSB Canada, aims to assist HIROC Subscribers in safeguarding critical operational equipment during extreme weather conditions, such as freeze-ups.

For any questions or comments, please reach out to us at [email protected].
 

Power interruptions in cold weather can lead to freezing hazards. Use the proactive steps below to minimize damage:

Minimize heat loss

• Ensure all doors, windows, shutters, and dampers are securely closed to retain heat.
• If backup electric power is not available, make arrangements to obtain portable heating units which do not require electric power. 

Protect piping 

• Protect piping systems from freezing by conducting thorough inspections to identify potential freeze risks. 
• Ensure that heat tracing is active and functional, and have a backup power source ready to maintain heat tracing during outages.

Remove snow and ice

• Check snow removal equipment and contractors.
• Plan for roof clearing if needed.

Anticipate flooding

• If severe cold could cause flooding, relocate susceptible equipment or stock to an alternate location. 
• Check operation of pumps or other dewatering equipment.

Emergency communications 

• Collect and circulate emergency contact numbers and distribute them organization-wide.

In an unpredictable world, preparing for the loss of essential services is crucial. Developing and testing contingency plans for power outages, fuel shortages, communication breakdowns, or flood risks can minimize operational impacts and safeguard your assets. 

Having the information at your fingertips is key. Review a past article for even more tips on protecting heating systems during cold weather.

HIROC is here for our Subscribers. If you have questions about coverage, best practices, or would like a quote, please contact HIROC at [email protected].
 

About HSB Canada

HSB Canada, part of Munich Re, is a multi-line specialty insurer and provider of inspection, risk management and IoT technology services. HSB Canada’s insurance offerings include equipment breakdown, cyber risk and other coverages. HSB blends its engineering expertise, technology and data to craft inventive insurance and service solutions for existing and emerging risks posed by technological change. Throughout its 150-year history HSB’s mission has been to help clients prevent loss, advance sustainable use of energy and build deeper relationships that benefit business, public institutions and consumers. HSB holds A.M. Best Company’s highest financial rating, A++ (Superior).

These recommendations are general guidelines and are not intended to be exhaustive or complete, nor are they designed to replace information or instructions from the manufacturer of your equipment. This article is for informational purposes only and is not intended to convey or constitute legal advice. HSB makes no warranties or representations as to the accuracy or completeness of the content herein. Under no circumstances shall HSB or any party involved in creating or delivering this article be liable to you for any loss or damage that results from the use of the information contained herein. This article does not modify or invalidate any of the provisions, exclusions, terms or conditions of the applicable policy and endorsements. For specific terms and conditions, please refer to the applicable insurance form.