Winter Weather Preparation for Golf Courses & Country Clubs

Use this winterizing checklist to help prepare your property, protect your equipment and minimize claims caused by cold weather hazards.

Winter can create serious risks for golf courses and country clubs—especially in areas where freezing temperatures, snow and ice are common. Many clubs shut down or operate at reduced capacity, which increases vulnerability to cold weather damage if proper precautions aren't in place.

This checklist outlines key steps to reduce winter-related claims and protect your assets.

Protecting Pipes and Plumbing

• Drain and winterize outdoor irrigation systems, hoses and water lines.
• Insulate exposed pipes in restrooms, kitchens, maintenance sheds and pro shops.
• Keep interior spaces heated above 55°F to prevent pipe freezes.
• Install pipe sensors or automatic shut-off systems to detect leaks or freezing.

Safeguarding Buildings and Roofs

• Inspect roofs and gutters to ensure they’re clear of debris and ice dams.
• Seal windows and doorframes to improve insulation and prevent drafts.
• Check HVAC systems for functionality and schedule pre-season maintenance.
• Ensure sump pumps and drainage systems are operational to handle thaw runoff.

Preventing Power and Heat Loss

• Test backup generators and ensure fuel supplies are adequate.
• Secure contracts for emergency electrical or HVAC repair services.
• Maintain working thermostats and test alarms for extreme temperature alerts.
• Store portable heaters and safe heating supplies for critical areas.

Managing Snow and Ice

• Establish snow/ice removal contracts in advance.
• Treat walkways, stairs and parking lots with de-icer and anti-slip materials.
• Post signage for slippery conditions and block off hazardous areas.
• Train staff on proper snow removal safety to avoid injury or property damage.

Cold Weather Insurance and Claims Prep

• Review your commercial property policy to ensure coverage for water damage and power outages.
• Confirm that business interruption insurance includes loss due to winter-related closures or burst pipe cleanup.
• Work with your insurance carrier and a specialized broker to document winterization measures and reduce risk exposure.
• Maintain updated emergency contact lists for key vendors and responders.

Winter weather is unpredictable, but proactive planning, routine maintenance and a review of your insurance coverage can make the difference in experiencing a smooth off-season and minimizing costly disruptions.

Reach out today to talk with a specialized broker about safety measures you can put in place to help mitigate risks this winter.