It can cover sudden damage caused by severe winter weather, but ordinary wear and lack of maintenance are treated differently.

What winter problems are common?

• Frozen pipes.
• Blocked gutters.
• Ice around outside drainage.
• Heavy snow on lightweight roofs.

Preparing the house for freezing weather

• Insulate exposed pipes.
• Clear gutters before winter.
• Repair weak shed or garage roofs.
• Keep outdoor taps protected from freezing.

Look at water, storm and accidental damage separately

Look at storm, escape-of-water and accidental-harm sections rather than expecting one winter-weather clause to cover everything.