Winter can pose a significant challenge to the safety and integrity of buildings, and taking care of buildings and structure throughout the colder months can be vital for public sector organisations.

By taking proactive steps to protect buildings during winter is essential, not just from a cost perspective but all for the health and safety of the people they serve.

As cold conditions continue across the UK with widespread overnight frosts and a risk of snow for some regions there is a risk to physical infrastructure and disruption to business operations for your organisation.

Local authorities’ buildings are more than just property assets – they are essential spaces for organisations and the communities they serve. To protect these buildings during cold spells and share weather, implement proactive and scheduled maintenance is crucial. By ensuring so, you can ensure the continuity of services while minimising the risk of costly repairs or liability claims.

External building maintenance

Taking a top-down approach, examine the roof for signs of damage, missing tiles, etc. This should be completed before the colder weather sets in and potentially makes the job more hazardous.

Damage in a neglected roof can quickly become worse in stormy conditions or heavy snow/rain, with problems extending to the inside of the building. This could go on to cause issues such as structural damage internally, potentially leading to a period of business interruption while repairs are carried out, as well as the cost of the repair.

Drainage channels, such as downpipes and gutters, should be clear of debris to avoid blockages. Doors and windows should be inspected for gaps and, if necessary, fixed with caulk or weather-stripping material to reduce the escape of heat.

Internal building maintenance

It is important to keep your buildings running efficiently during the colder weather while you are increasing your usage of heating and lighting. Add extra insulation to the roof if possible, and ensure water tanks, pipes and radiators are adequately lagged.

If pipes freeze, isolate the pipe by closing the stopcock on the feed, then protect items beneath it before thawing the pipe. To thaw the pipe, apply heat slowly using a hair dryer, space heater or electronic heating pad—DO NOT use hot air paint strippers, blow torches or naked flames.

Trees near buildings

Any trees close to your buildings should be inspected by a qualified arborist to ensure they are structurally safe. If necessary, trees should be pruned or removed to avoid damage to external structures caused by falling branches or the entire tree. Not only is this important to avoid damage to your buildings, but to meet your health and safety obligations to the public and your employees and reduce the likelihood of liability claims in the event of injury.

Clearing snow and ice

The Workplace (Health, Safety & Welfare) Regulations 1992 and the Highways Act 1980 state that arrangements should be made to minimise risks from snow and ice on roads and paths. To help ensure safe access to your buildings during snowy weather, prepare items such as snow shovels, grit and de-icers, and make sure they are easily accessible so that heavy snowfall incidents can be dealt with quickly. Monitor weather alerts and grit the pathways the night before snow or ice is expected, if possible.

While it is not the case that liability for injury lies with your organisation if snow and ice are cleared and somebody still slips and falls, it is important to ensure that clearance procedures do not create more of a hazard. For example, the use of water to melt snow or ice can create ‘black ice’ that can be difficult to see, so you should use grit, sand or even ash to provide grip underfoot. Inside the building, you should have adequate ‘wet floor’ signage at the entrance, and plans in place to regularly mop/dry potentially hazardous areas.

Flood protection and damage limitation

While it is possible, to some extent, to protect your buildings in the event of flooding in adverse weather conditions (through physical solutions such as sand bags, drain non-return valves, air brick covers, etc.), it is also important to have adequate levels of flood cover in place. We can support you by arranging this, even if you have had difficulties securing this kind of cover in the past. We will base your cover on your actual exposure to flood and calculate an estimated maximum loss, and we can also offer flood excess insurance to cover the flood excess amount.

Talk to a specialist

To find out more about how Gallagher can help your organisation prepare for the risks that winter weather can bring, or if you would like to talk to us about your property insurance requirements, please reach out to a Gallagher representative.


The sole purpose of this article is to provide guidance on the issues covered. This article is not intended to give legal advice, and, accordingly, it should not be relied upon. It should not be regarded as a comprehensive statement of the law and/or market practice in this area. We make no claims as to the completeness or accuracy of the information contained herein or in the links which were live at the date of publication. You should not act upon (or should refrain from acting upon) information in this publication without first seeking specific legal and/or specialist advice. Arthur J. Gallagher Insurance Brokers Limited accepts no liability for any inaccuracy, omission or mistake in this publication, nor will we be responsible for any loss which may be suffered as a result of any person relying on the information contained herein.