In some parts of the country, winter means snow-packed driveways, icy stairs, wet floors, roof collapse and frozen pipes. Don’t wait until it's too late to prepare for winter emergencies.
Buildings
Snow-related roof failures continue to be a common occurrence
every year, resulting in hundreds of millions of dollars in
losses to businesses. These collapses indicate that not all
building codes have addressed the snow-load problem adequately.
Quality of construction, lack of inspection and proper
maintenance are factors contributing to these structural
failures, as well as the following:
- Discontinuous heating of structures can
cause melting, refreezing and subsequent ice build up.
- Sloped warm roofs can cause refreezing on cold eaves,
leading to ice dams or backup of ice under shingles.
- Wind-driven snow creates drifting, which significantly
increases snow loads.
- Barrel vault and saw-tooth roofs collect excess snow
and ice in valleys.
- Rain on top of heavy snowfall significantly increases
the load, which can lead to
structure failure.
- Ponding can occur when water backs up on roofs and in
drainage systems.
Snow and ice load recommendations
- Make a visual examination of the roof’s structural
members, if possible. Check for leaks, sagging or misalignment;
corroded, cracked and/or buckled steel members; split and/or
rotted timber; and cracked and/or spalled concrete members.
- All drains, gutters and downspouts should be cleared of
debris.
- Roofs must be routinely checked for ponding. Low areas
should be repaired and/or additional drains added.
- If the building is left unheated for long periods,
ensure the roof will be capable of withstanding any additional
snow load.
- If lower roofs, canopies or covered walk-
ways have been added to the structure,
the effects of sliding and drifting snow should be considered.
- Increased snow loads and additional dead load due to
reduced melting must be considered for any roof retrofitted
with additional insulation for energy conservation reasons.
- The roof should be capable of withstanding additional
sliding and drifting snow loads where solar panes, mechanical
equipment or other roof projections have been added.
- Dead loads, such as air conditioners, heaters and suspended storage platforms, when added to the roof’s structural members, will decrease the roof’s live load capacity.
Loss Prevention
Frozen water pipes
Water freezes at 32° F, and so will your water pipes if not
properly protected. Frozen water pipes often burst when they
thaw and can flood your business. Nothing dampens the spirit
faster than waiting for a plumber inside a flooded building,
so protect your facility against freezing temperatures with
these tips:
- Below-freezing temperatures occur even in the southern
states – don’t be complacent.
- Inspect all heaters and furnaces prior to cold weather.
- Conduct a thorough building inspection in the Fall
and look for:
- insufficient insulation in walls, attic, basement or
other concealed spaces.
- openings in the roof or exterior walls where cold air
could enter.
- exposed water pipes above drop ceilings, in attics or
adjacent to large exterior doors.
- interior areas where heat may be insufficient to protect water pipes.
- insufficient insulation in walls, attic, basement or
other concealed spaces.
- Inspect automatic (fire protection) sprinkler
systems to ensure they are fully operational.
- If sprinkler equipment is located in a small room or
closet, provide a separate heat source.
- Remember to leave the heat on over weekends and
holidays when buildings are unoccupied.
- Don’t attempt to thaw pipes with any type of open flame; this creates a severe fire hazard.
Premises
Slip and fall incidents involving customers and employees
also occur more frequently due to inclement weather.
Don’t wait until winter hits your part of the country to
prepare for the worst.
Snow and ice removal
- Prepare for ice and snow in advance.
- Develop and implement a snow and ice removal program.
- Designate an individual to monitor weather and walking
surface conditions.
- Have appropriate equipment, tools and supplies ready
for use by internal personnel.
- Contract or retain professional snow removal companies
in advance.
- Make sure the snow removal service provides regular
checks on your location, with 24-hour and on-call capabilities.
- Record pertinent data on a snow/ice removal log.
- Allow sufficient time for treatment to take full
effect.
- Remove highly-piled snow where it reduces visibility in
traffic areas, especially at corners.
- Provide adequate lighting for all pedestrian and
customer traffic areas.
- Redirect downspouts that empty onto walkways, as they
can create slip and fall hazards.
- Don’t leave floor spills and puddles unattended,
especially in customer traffic areas.
- Post a “Caution-Wet Floor” sign and clean wet
floors immediately.
- Place mats or rugs at all entrances to help keep the
floors clean and dry.
- Post other appropriate warning signs in high hazard
areas.
- Remove or provide warnings of “hidden” hazards that
could be inadvertently struck by cars or pedestrians if covered
by snow (curbs, grates, debris in walkway, fire hydrants,
etc.).
- Attend to injured persons immediately – show compassion
but never admit fault.
- Conduct prompt accident/incident investigations.
For questions about this loss prevention topic, contact the Zurich Risk Engineering Department or visit www.zurichna.com/zdu.