Provided by one of our many carrier partners, Travelers Insurance Company
Cold temperatures can reach areas of your facility that you seldom visit or cannot see, such as:
Enclosed spaces (e.g., attics, lofts, roof spaces)
Isolated storage areas
Preparing for cold weather can help reduce potential business interruptions and related losses resulting from cold temperatures.
Domestic Water Piping
In severe cold, domestic water pipes have the potential to freeze and break. If it’s safe to do so, make sure pipes that are located in isolated or poorly heated spaces are shut off and drained or protected with a supplemental heating source.
Protect Your Fire Protection Sprinklers
Fire protection sprinkler systems are dependent on the ability of water to flow freely when needed. Ensure that wet piping systems, which may be subject to cold temperatures, are sufficiently heated to prevent freezing.
Severe cold weather can also delay the response time of the local fire department. It’s imperative to properly maintain your fire protection systems.
Lastly, if heating is lost in a building protected by wet sprinklers, it should be restored immediately. Sprinkler systems should be shut off and completely drained only after exhausting all options to re-establish sufficient heat. If this is necessary, be sure to take appropriate precautions, including notifying local fire officials. Also remember to contact your insurance carrier. If you’re a Travelers customer, notify Travelers by using the Travelers impairment notification program “Fire Protection Impairments – Are You Prepared?”
Strategies to Help Prevent Frozen Pipes
Some prevention strategies to consider:
Properly insulate and/or provide approved heat tracing for water-filled pipes located in exterior walls or unheated spaces.
Drain any piping that is not required during the winter months.
Maintain a minimum temperature of 40° F (4.4° C) in building areas with processes susceptible to freezing, wet-pipe sprinkler systems, fire pump houses and dry-pipe valve enclosures.
Ensure that anti-freeze sprinkler systems have sufficient concentration (appropriate specific gravity readings) of antifreeze to withstand freezing weather.
Inspect dry systems to help ensure air settings are correct, air maintenance systems are in good operating condition, and any pipe closets are well insulated. If any heat tape or heating systems are being used, ensure that they are UL-listed for this specific purpose and are in good operating condition. Dry-pipe sprinkler systems low points and auxiliary drains should be opened and drained of any water or condensation.
Any branch lines on wet sprinkler systems exposed or subject to extreme cold weather should be insulated and heat traced. Electric heat tracing products should be UL-listed for this specific purpose.
Fire pump test headers should be checked to ensure they have been properly drained.
Fire pump and dry-pipe sprinkler system equipment rooms should be checked routinely to ensure the heaters are in good operating condition.
The use of low temperature supervision can help to ensure rooms are being properly heated.
Count on JLA for Risk Management Solutions
If you need assistance with Risk Management Strategies for your business, please contact us today! The reason we chose to be an Independent Insurance Agency is so we can provide you with multiple options. We recognize that everyone's situation is different and the ability to contact multiple insurance carriers helps us tailor a policy specifically for your business. Our team is waiting to provide expert guidance and advice.