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Many materials shrink when they get cold.  Water is not one of them. Instead, water expands as it freezes. This expansion puts tremendous pressure on whatever is containing it, including metal or plastic pipes. And that’s why this winter’s cold temperatures contributed to costly trend – bursting pipes throughout the US. In some circumstances, water that escapes piping and other containment systems not only floods buildings but also contributes to collapsed walls and ceilings. Now that spring is here, there is less danger of freezing water causing damage. Still, water has a way of finding its way in – whether though sewer pipes, roofs or seeping in from a building’s surrounding perimeter.   And when unwanted water does make entry, buildings can sustain substantial water ingress damage.   Most water damage losses can be prevented with the right precautions. According to John Frank, XL Catlin’s Loss Prevention Leader, “While many of us are glad to see this winter behind us, preparing for winter should be a year-round proposition. It’s never too late or too early to prepare and get ahead of the next round of winter weather. And it is never too late to take precautions to keep the winter thaw or April showers outside of your building.”

To help, XL Catlin’s WaterWorks program provides helpful tools and checklists with suggestions to help prevent water from unexpectedly escaping piping and sprinkler systems. Recently, XL Catlin added a helpful How to Prevent Water Ingress Damage checklist to help keep building envelops water-tight.

Download WaterWorks

_______________________________The information contained herein is intended for informational purposes only and does not constitute legal advice. For legal advice, seek the services of a competent attorney. Any descriptions of insurance provisions are general overviews only. Global Asset Protection Services LLC (XL GAPS) is a leading loss prevention services provider and a subsidiary of XL Group Ltd.


Global Asset Protection Services, LLC, and its affiliates (“AXA XL Risk Consulting”) provides risk assessment reports and other loss prevention services, as requested. This document shall not be construed as indicating the existence or availability under any policy of coverage for any particular type of loss or damage. AXA XL Risk. We specifically disclaim any warranty or representation that compliance with any advice or recommendation in any publication will make a facility or operation safe or healthful, or put it in compliance with any standard, code, law, rule or regulation. Save where expressly agreed in writing, AXA XL Risk Consulting and its related and affiliated companies disclaim all liability for loss or damage suffered by any party arising out of or in connection with this publication, including indirect or consequential loss or damage, howsoever arising. Any party who chooses to rely in any way on the contents of this document does so at their own risk.

US- and Canada-Issued Insurance Policies

In the US, the AXA XL insurance companies are: AXA Insurance Company, Catlin Insurance Company, Inc., Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company and T.H.E. Insurance Company. In Canada, coverages are underwritten by XL Specialty Insurance Company - Canadian Branch and AXA Insurance Company - Canadian branch. Coverages may also be underwritten by Lloyd’s Syndicate #2003. Coverages underwritten by Lloyd’s Syndicate #2003 are placed on behalf of the member of Syndicate #2003 by Catlin Canada Inc. Lloyd’s ratings are independent of AXA XL.
US domiciled insurance policies can be written by the following AXA XL surplus lines insurers: XL Catlin Insurance Company UK Limited, Syndicates managed by Catlin Underwriting Agencies Limited and Indian Harbor Insurance Company. Enquires from US residents should be directed to a local insurance agent or broker permitted to write business in the relevant state.