When winter storms cause heavy snow accumulations, property owners and residents of buildings, especially those with flat roofs, need to be aware of the weight loads and take precautions.

Take Precautions to Protect Life and Property

  • Watch for falling snow and ice from roofs.
  • Don’t put untrained individuals on roofs to clear snow. Falls from roofs and possible exposure to electrical wires while on the roof are serious hazards.
  • Inspect roofs for leaks or structural deficiencies that may develop during the storm.
  • Make sure gutters, drains, and downspouts are clear of ice and debris.
  • Clear snow and ice away from exhaust vents that go through exterior walls.
  • Clear decks of snow to reduce stress on them.

After the Storm

  • Clear areas around downspouts so that water from melting snow has a path to flow away from the house or building.
  • Remove snow from side walls to prevent high snow mounds from pushing them in.
  • Temporarily shore up and brace dipping or sagging roofs or walls.
  • Look for improper operation of doors or windows, deflection of ceiling finishes or exposed beams, roof leaks, or sprinkler heads moved from their regular positions which could be signs of roof failure.

NOTE: We highly recommend hiring an experienced roofing professional to check the roof on your home. Be sure that they are adequately insured.

For your commercial building’s condition, contact a structural engineer or your local building official for an assessment.

If you have suffered storm damage to your property, please Contact Us or visit our Claims Center for more information.

Source: Hanover Insurance

Read Other Blog Posts

Business Interruption Insurance- The Coverage That Keeps Your Business Alive When You Can't Open Your Doors 

Business Interruption Insurance: The Coverage That Keeps Your Business Alive When You Can’t Open Your Doors

A disaster can halt business operations even if bills continue to come in. Learn how business interruption insurance replaces lost income, what triggers coverage, and why waiting periods and proper limits matter.
Outdoor Maintenance Flipped HM Blog Series

Outdoor Maintenance | Homeowner’s Manual Blog Series

Your home's exterior protects everything inside, making regular outdoor maintenance one of the best investments you can make. Discover simple upkeep tips that help prevent costly damage, boost curb appeal, and reduce the risk of homeowners insurance claims.
A Safer Start to Summer

A Safer Start to Summer: Simple Habits for a Fun and Worry-Free Fourth of July

Summer is a time for cookouts, time on the water, and gathering with loved ones, but it also comes with seasonal risks. The good news? Staying safe is simple. With a few smart habits and a little preparation, you can enjoy a fun, relaxing, and worry-free start to the season.
What Counts as a Home-Based Business

What Counts as a Home-Based Business (and When Your Home Policy Isn’t Enough)

Understanding when your homeowners' insurance ends and business coverage begins is essential for anyone running a business from home. Learn what counts as a home-based business, common coverage gaps, and when you need additional protection.
Workers’ Comp 101 for Massachusetts Employers

Workers’ Comp 101 for Massachusetts Employers

Workers’ compensation rules in Massachusetts are strict and sometimes misunderstood. Learn who must carry coverage, common exemptions, audit triggers, and costly compliance mistakes employers should avoid.
Disaster Planning: Supply Chain Disruptions-Ships in Strait of Hormuz

Why Disaster Planning Matters: Protecting Your Business from Supply Chain Disruptions

Supply chain disruptions, whether global or local, can impact any business. Learn why disaster planning, supplier diversification, and the right insurance coverage are essential for resilience.
Hurricane Arthur a Reminder That Hurricane Season Has Begun

Tropical Storm Arthur—a Reminder That Hurricane Season Has Begun

Hurricane Arthur marks the start of the 2026 hurricane season—now is the time for Northeast property owners to prepare with smart maintenance and insurance review tips.
What to Do When Your Home Insurance Company Requires Repairs

What to Do When Your Home Insurance Company Requires Repairs

If your home insurance company requires repairs, acting quickly matters. Learn why insurers issue repair demands, common timelines, and how the right response can help you avoid cancellation or nonrenewal.
Swimming Pool Safety Homeowner’s Manual Blog Series 2 | Mother and baby swimming in a pool

Swimming Pool Safety | Homeowner’s Manual Blog Series

A backyard pool can provide endless fun, but it also comes with important safety and liability responsibilities. Learn practical pool safety tips that can help prevent accidents, protect loved ones, and reduce insurance risks.

Visit Our Personal Insurance Page

Personal Insurance

Life is an ever-changing journey, and it deserves a thoughtful, comprehensive plan to protect the things and people that matter most. Our dedicated team at Murphy Insurance is here to assist you in creating that plan. With a wide range of product options at our disposal, we ensure that your plan is tailored precisely to your requirements. Our commitment to providing clear, intelligent guidance to help you achieve true peace of mind. Learn more about our personal insurance portfolio.

Visit Our Business Insurance Page

Business Insurance

Murphy Insurance stands as your steadfast partner in safeguarding your business from unforeseen challenges in today’s dynamic business landscape. In an era where comprehensive business insurance is not just a prudent choice but a vital one for ensuring the long-term stability and security of your enterprise, we are here to offer our expertise. Running a business inherently entails various risks that can potentially impact your financial stability and reputation. Learn more about our comprehensive business insurance solutions, which are meticulously designed to protect you from these potential threats, granting you peace of mind necessary to focus on the growth and prosperity of your business.