Protecting your summer escape: Winterizing made simple
When the summer season winds down and temperatures start to dip, it’s time to think about more than just packing away the patio furniture. For many Canadians, cottages and RVs are the heart of summer memories. But once winter arrives, those same retreats and vehicles can face serious risks if they’re not properly prepared. A little time spent winterizing now can prevent costly repairs and help ensure you’re ready to enjoy them again when the warm weather returns.
Why winterizing matters
Unattended properties and vehicles are vulnerable during freezing months. Water expands as it freezes, which can cause pipes and tanks to burst. Heavy snow and ice can strain roofs, decks, and awnings. Or rodents or moisture can sneak in and cause long-term damage. These aren’t just inconveniences; they’re potential losses that can disrupt your next summer plans and leave you facing significant repair costs.
“Rodents and insects are generally excluded from standard property policies because they are considered preventable maintenance issues. Damage from pests like rats, mice and insects can cause considerable damage,” says Greta Gerstner, Senior Insurance Advisor at Westland Insurance.
Preparing for these risks can save you stress and protect your investment.
Cottage winterizing checklist
- Shut off and drain water lines: Make sure to turn off the main water supply and fully drain pipes, toilets, and appliances to prevent freezing and bursting.
- Seal gaps and close shutters: Keep pests, cold air, and moisture out by sealing cracks and gaps around doors, windows, and vents.
- Check the roof and gutters: Clear leaves and debris so melting snow and ice can drain properly.
- Unplug and store electronics: Reduce fire risks and protect your devices by disconnecting and storing electronics where possible.
- Secure outdoor furniture and equipment: Store canoes, BBQs, and furniture indoors, or cover them to withstand snow and ice.
RV winterizing checklist
- Drain water systems: Empty tanks, lines, and the water heater. Consider adding RV antifreeze as recommended.
- Clean and air out: Remove food, wipe down surfaces, and air out spaces to avoid mould and mildew over the winter.
- Seal and protect: Check seals around windows and doors, and cover the RV with a breathable cover to keep moisture out.
- Battery and tires: Disconnect and store the battery in a warm place. Inflate tires and consider moving the RV slightly during storage to prevent flat spots.
The benefits of prevention
Winterizing doesn’t just protect your cottage or RV, it also saves you money. Many winter-related insurance claims are preventable. By addressing vulnerabilities now, you reduce your risk of filing a claim later and keep your next summers adventures.
Reviewing your insurance before winter gives you confidence that your cottage or RV is protected, even while you’re not there. We know how important your cottage and RV are to your lifestyle. Our local advisors can help you understand what coverage you need and where gaps may exist.
Connect with us today to make sure you’re ready for winter, with coverage that goes further. Talk to your advisor today .
