As temperatures plummet, Ontario homeowners face one of winter's most challenging threats: frozen pipes. At Salus Mutual, we understand how quickly a frozen pipe can turn into a costly disaster. That's why we've created this guide to help you protect your home during the coldest months of the year.
What You Need to Know
When temperatures drop below -4°C, your home's pipes become vulnerable to freezing. While underground outdoor pipes typically withstand temperatures until about -20°C, indoor pipes in unheated spaces can freeze much sooner. The culprits aren't just low temperatures — poor insulation, wind chill and stagnant water all play a role in this winter challenge.
Protecting Your Pipes
Taking proactive steps now can save you from significant headaches later. Start by turning off and draining outdoor faucets and garden hoses before winter arrives — these fixtures won't be needed until spring and are particularly vulnerable to freezing. Next, focus on insulating pipes in unheated areas like your attic, basement or along exterior walls, as this simple step provides crucial protection during cold snaps. Throughout winter, maintain a consistent home temperature of at least 12°C, even when you're away, to help prevent pipes in interior walls from freezing.
Just as important is knowing where your main water shut-off valve is located. If a pipe does freeze and burst, quickly shutting off your home's water supply can significantly minimize damage. Take a moment today to locate this vital component of your home's plumbing system.
When Winter Takes Its Toll
Despite our best efforts, pipes can still freeze during particularly harsh weather. If you turn on a faucet and only get a trickle, you might have a frozen pipe. Don't wait — act quickly to prevent further damage.
At Salus Mutual, we understand that Ontario winters can be unpredictable. That's why we're committed to helping our policyholders protect their homes from winter's challenges. Have questions about your coverage for frozen pipes? Our local agents are ready to help ensure you have the protection you need.
For personalized advice about protecting your home this winter, or to learn more about our coverage options, contact your local Salus Mutual office today. After all, we're more than your insurance provider — we're your neighbours, committed to helping you weather whatever winter brings.
