For businesses and landlords, understanding the seasonal risks your property or operations may face is essential. Each season brings its own hazards, and being proactive can help reduce claims, prevent losses, and ensure the right insurance coverage is in place.
Here’s a breakdown of the most common seasonal hazards in the UK.
Winter (December – February)
Common Hazards:
- Burst pipes & frozen water systems: Cold temperatures can cause pipes to freeze and burst, leading to significant water damage.
- Flooding from heavy rainfall or snowmelt: Winter storms can overwhelm drainage systems.
- Slips, trips, and falls: Icy pavements and pathways increase liability risk for landlords and business owners.
Insurance Considerations:
- Ensure buildings insurance covers water damage from burst pipes.
- Consider business interruption cover if your operations could be halted by flooding.
- Check public liability insurance for slip-and-fall claims on your property.
Preventative Steps:
- Insulate pipes and maintain heating systems.
- Clear gutters and check drains for blockages.
- Apply grit to pathways and entrances to prevent slips.
Spring (March – May)
Common Hazards:
- Subsidence & soil movement: Winter rain and frost can lead to structural movement as the ground thaws.
- Flooding from heavy spring showers: Rivers and watercourses can overflow.
- Allergens & mould growth: Damp conditions from winter can encourage mould in commercial or rental properties.
Insurance Considerations:
- Buildings insurance should cover structural damage from subsidence.
- Ensure that contents insurance includes coverage for water damage and mould remediation.
Preventative Steps:
- Inspect foundations and walls for early signs of subsidence.
- Maintain gutters and drainage systems.
- Address damp areas promptly to prevent mould growth.
Summer (June – August)
Common Hazards:
- Heatwaves & wildfire risks: Extreme temperatures can damage property exteriors or lead to wildfires in rural areas.
- Storm damage: Summer thunderstorms can bring strong winds and hail.
- Water shortages: High temperatures may affect water systems for some businesses.
Insurance Considerations:
- Ensure buildings insurance covers fire, storm, and heat-related damage.
- Consider business interruption cover if extreme weather could halt operations.
Preventative Steps:
- Trim trees and remove dead vegetation around properties.
- Inspect roofs and gutters for damage that could worsen during storms.
- Check water systems and sprinkler coverage.
Autumn (September – November)
Common Hazards:
- Storms and high winds: Autumn gales can damage roofs, fences, and outbuildings.
- Flooding from heavy rain: Fallen leaves can block drains and increase flood risk.
- Pest infestations: Rodents and insects may seek shelter in properties as temperatures drop.
Insurance Considerations:
- Confirm buildings insurance covers wind damage and storm-related incidents.
- Contents and stock insurance may protect against water ingress and pest damage.
Preventative Steps:
- Clear gutters and drains of leaves and debris.
- Secure loose items outdoors before storms.
- Seal gaps to prevent pests from entering buildings.
Key Takeaways
- Seasonal hazards change throughout the year, and so should your approach to risk management.
- Review your insurance policies annually to ensure all seasonal risks are covered.
- Taking proactive measures, like clearing gutters, insulating pipes, and trimming trees, can prevent damage and reduce claims.
- Businesses and landlords who prepare for seasonal risks are better protected, can reduce premiums over time, and avoid costly surprises.
Comprehensive Protection for Your Property and Business
Whether you’re a landlord seeking comprehensive coverage or a business owner aiming to safeguard your enterprise, Ashburnham Insurance offers tailored solutions to meet your needs. Explore our Landlord Insurance and Business Insurance options to find the perfect fit for your requirements.