Commercial Property Insurance

A Winter Weather Guide for Louisiana Businesses: Frozen Pipes, Icy Conditions, and More

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Key Points
  • Frozen pipes pose a major risk: When temperatures drop, unprotected water lines in attics, crawl spaces, or exterior walls can freeze and burst—causing costly water damage and business disruption.
  • Proactive winter preparedness saves money: Insulating pipes, installing smart thermostats, and draining outdoor faucets are simple yet effective steps for businesses to prevent freeze damage and avoid claims that could increase premiums or result in downtime.

While Louisiana is more known for hot summers versus cold winters, every year we have a number of days with freezing conditions. Whether it’s just a deep dry freeze or snow comes along with it, it is important to make sure you and your business are prepared. In this post, we’ll discuss how to protect water pipes, how to prevent water damage, and how to prevent slips and falls due to snow and icy conditions.

How to Prevent Pipe Damage Due to Freezing Conditions

In severely cold temperatures, water pipes have the potential to freeze and break. However, by taking the proper precautions you can help minimize this risk. Here are some recommended steps to prevent pipe damage:

How to Prevent Water Damage from Frozen Pipes

Sometimes after taking all the precautions you may suspect you have a damaged pipe. Here are some steps to take to prevent water damage if you suspect you have a leak.

How to Prevent Slips, Trips, and Falls Due to Winter Conditions

During a winter weather event, there is a higher potential for slip, trip, and fall hazards. As a property owner or manager, it is your responsibility to make every effort to reduce the risk of injury due to these hazards. Here are some things to keep in mind for ice and snow removal.

Although Louisiana is not subject to winter conditions as often as some states, it is important to have a winter weather plan in place. By having a plan, you’ll substantially lower your risk to pipe damage and injuries due to hazardous conditions. If you have questions about how to best protect your business or questions about liability coverage for potential injuries, be sure to contact your Louisiana independent insurance agent today.

Brittany Mohr Headshot

Brittany Mohr Hunter, ARM, AINS

Brittany Mohr Hunter is the Chief Operating Officer at Lewis Mohr Insurance Agency and brings over a decade of experience in commercial insurance and risk management. A third-generation leader in the family business, she earned her degree in Finance with a specialization in Insurance from The University of Alabama, and holds both the ARM and AINS designations. She remains deeply committed to ongoing professional development and staying at the forefront of industry changes, policy updates, and evolving coverage needs—ensuring her clients receive the most informed and up-to-date guidance possible.
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