Authored by Sara Weathers

Extreme weather events are no longer seasonal surprises: they’re becoming year-round risks. From winter storms and flooding to wildfires, law firms face increasing exposure to property damage that can disrupt operations and threaten business continuity. Addressing potential insurance gaps early can help prevent costly setbacks in the future.

1. Flood Damage Is Often Excluded

One of the most common and costly gaps in property insurance is flood coverage. Standard property policies typically exclude flooding caused by heavy rain, melting snow, or rising water. Firms located in flood-prone or low-lying areas should consider separate flood insurance to ensure full protection.

2. Winter Weather Can Cause Hidden Losses

Burst pipes, ice dams, and roof collapses are common during winter storms. While many property policies cover freeze-related damage, coverage may depend on proper maintenance and mitigation. Reviewing policy requirements ahead of winter can help avoid denied claims.

3. Fire Risk Extends Beyond Wildfire Zones

Fires can result from electrical issues, heating system malfunctions, or nearby wildfires, even in urban areas. Property insurance limits should reflect current replacement costs, especially as construction and labor expenses continue to rise.

4. Business Interruption Coverage May Fall Short

Property damage doesn’t just affect your office; it can halt your practice. If your firm is forced to close temporarily, business interruption insurance helps cover lost income, payroll, and ongoing expenses. Make sure your limits and waiting periods align with today’s realities.

Plan Ahead to Avoid Costly Gaps

Reviewing property coverage before severe weather strikes allows law firms to adjust limits, add necessary endorsements, and ensure continuity. Preparing early protects your office, your team, and your clients, regardless of what the forecast brings.