Keeping your cottage safe in winter
When the snow flies, the cottage can look like a postcard.
But harsh Canadian winters also bring some extra responsibilities for owners of seasonal properties. Remember, every insurer expects a property owner to keep their homes and cottages in good repair.
If the cottage is winterized and you plan to use it, here are some tips to keep it and any guests that visit safe:
- Clear the roof of snow Throughout winter, it's crucial to keep your cottage roof clear of snow and ice. If not properly drained, snow can cause the roof to collapse. The weight of the snow can damage roof seals and allow water to seep inside during the thaw. During heavy snowfalls, watch for signs of stress such as bulges in the ceiling, cracks in the walls, and unexpected leaks. This is especially important for older cottages.
Tip: Invest in a roof rake and do one section of the roof at a time. Be sure to wear protective clothing. If the cottage is two storeys you should wear a safety harness or contact a professional.
2. Keep the grounds safe Remove snow from driveways; decks, walkways, and stairs to prevent damage and accidents on your property. Ensure driveways are plowed and can accommodate emergency vehicles. Remember, too, that ice and snow will accumulate on tree limbs around your cottage.
Tip: Trim trees and branches before the snow flies. Dead trees near your cottage should be cut down.
3. Remove icicles Because of their weight, large icicles are prone to breaking and falling off your house, particularly on bright or windy days. Stand off to one side when knocking them down, and if possible, wear safety gear such as goggles or a hard hat.
Tip: Prevent icicles from forming in the first place by keeping your eavestroughs clear of leaves, which can cause ice dams.
4. Protect your gutters and downspouts More snow means more pressure on gutters and downspouts, which are essential for keeping your siding and foundation free from water damage. Overloaded gutters can sag or collapse altogether.
Tip: Consider using a leaf guard and be sure to clean them out in the fall as part of a cottage maintenance routine.
5. Heating precautions Space heaters are the second leading cause of fire death behind careless smoking. Treat these heaters like an open flame - only use when awake and keep them away from anything that can catch fire. Gas heaters, on the other hand, are designed to be used outdoors. If used inside an unvented house, they can result in carbon monoxide poisoning. Using a fireplace? Use a great in front to prevent sparks and don’t leave it unattended. If you have a gas fireplace, don’t let anyone touch the glass and install monoxide detectors. Exercise caution when disposing of ashes. Store them in a metal container until completely cooled.
Tip: The soot from your wood-burning fireplace or wood-burning stove can catch fire at a high temperature. Once a year, have your chimney inspected and cleaned.
6. Set a minimum temperature Maintain the thermostat setting at 55°F/16°C during extended absences to prevent freezing.
Tip: When you’re staying, focus on the area that needs to be heated by closing doors to rooms you’re not using. Bundle up! Bring lots of wool sweaters, socks and blankets.
7. Adjust the water heater Most water heaters are set to 60C by default, but you can safely lower the temperature to 54C in most cases, according to the Canada Safety Council. If you have one at the cottage adjusting it is more energy-efficient and also ensures the hot water supply is safe and reliable throughout the winter.
Tip: Always follow local regulations. Avoid setting the temperature too low in the tank, which can be a health risk.
8. Have an emergency kit Winter makes it even more vital to keep your kit stocked. Days are shorter, temperatures lower, and if there’s a greater risk of power outages or a storm. Keep plenty of perishable food items, clean water, candles and battery-operated devices on-hand.
Tip: Make sure your cottage’s name or address is visible, should emergency personnel need to reach you.
Finally, if you’ve just started to use your cottage in the winter, be sure to let your insurance broker know.
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