How to protect your home from freezing winter weather

Follow our tips to keep your home safe and warm during the freezing weather this winter

Home safety

31 January 2023

From building snowmen and sledging to the bright lights of the most wonderful time of the year, there’s plenty of things that make winter a wonderland.

But as Jack Frost nips the air, there’s snow place like home to keep cosy and warm as the winter weather outside turns frightful. But how can you protect your property against freezing conditions? With frozen pipes and water damage just the tip of the iceberg of issues the woes of winter weather can wreak on your home, it’s easy to have a meltdown at the thought of such a mammoth maintenance to-do list. That’s why we’ve rounded up some of our top tips to help make your home safe against the winter chill from the inside out.

In this guide:

Pre-snow and frost checks

Get roof ready

Aim to get your roof inspected by a professional at least twice a year. Look out for debris from broken slates or tiles on the ground surrounding your property, and keep your eyes peeled for leaning chimneys. These are both tell-tale signs that your roof needs some TLC.

Getting roof problems rectified sooner rather than later could help prevent further damage to your home and your wallet.

Illustration of a man inspecting the pipes underneath his sink

Protect your pipes

The chilly climate can wreak havoc on your home’s pipes, inside and out. To prevent them from freezing as it gets cooler, insulate all external pipes (where possible) with weather-resistant insulation, as well as those in unheated internal areas like crawl spaces, garages, and lofts.

Heads up for header tanks

If your header tank is stored in your loft, make sure it’s properly insulated against the elements. If you don't, the water in the tank could freeze and expand in cold temperatures, leading to splits and cracks in its walls. Once the ice begins to thaw, the resulting water could leak into your home below, which could prove costly.

If a cold snap is forecast, check your tank for signs of wear and tear and get any issues sorted as quickly as you can.

Ditch the draughts

Invest in weather stripping to help keep more warm air inside and chilly draughts out. It’s easy to fit and cheap to purchase, and can even help improve the heat efficiency of your home.

Windows, doors, vents, fans, letterboxes, and mains supply lines tend to be the most common areas for air leaks, so keep these prime suspects in mind during your draught-excluding investigation.

Get your mitts on some grit

From David Plowie and Gritney Spears, to Luke Snowalker and Gritsy Bitsy Teeny Weeny Yellow Anti-Slip Machiney, Britain has arguably the best named gritters in the world. These gritters work to keep our roads ice-free in the winter months. But it’s a good idea to build your own stash of sand and grit, too. Use it with your snow shovel to keep your property’s paths and steps safe in freezing conditions. Nicknames for your private grit collection optional.

Guard your green space

Frost can be fatal to your plants, so bring potted ones inside and mulch outdoor plants. Clear away garden hoses, furniture, and toys to prevent them from becoming obstacles in heavy snow.

It’s also a good idea to prune back any overhanging branches that are likely to collect snow as the added weight could cause them to break, which could result in damage to other areas of your property.

Keep your mind in the gutter

If gutters are blocked with leaves and dirt before snowy or icy conditions hit, then water can’t flow through them freely. This means that when the temperature drops, large bodies of trapped water could freeze up, with the additional weight putting an extra strain on your property’s structure.

To prevent this potential damage, set aside time in spring and late autumn to make sure your gutters are gleaming.


If you’re lucky enough to be able to chill out and watch the flames dance around your open fires on dark nights, cleaning out your fireplace should be a burning issue before the onset of winter.

Clean out your chimney to remove soot, blockages, and built-up creosote to help improve the air ventilation of your room. This is also a great opportunity to check smoke and carbon monoxide alarms, ensuring batteries are replaced every 12 months and detectors are completely replaced every 10 years.

Park up

If possible, keep your vehicles in a garage or under cover. If you need to park out in the open, make sure your vehicle is kept away from buildings and trees, where falling clumps of snow or ice could result in some nasty damage.

Show your loft some love

It’s important your loft is properly insulated and ventilated. If it’s too warm during snowfall, it can result in the formation of an ice dam. This is when snow melts quicker on the upper, hotter part of the roof, and the resulting water runs toward the colder eave and freezes into ice, blocking the guttering.

As this ridge of ice builds up, it can back up under the roof shingles where it melts again. When this happens, it causes damage to walls, ceilings, attics, insulation and, in worst case scenarios, living spaces.

If you feel your loft isn’t insulated well, ask a professional to help prevent too much heat from being lost through your roof.

Stock up

Whenever bad weather is forecast, the first thing many people do is rush to the shops to get their hands on as much milk and bread as they possibly can. Avoid the retail rush by keeping a home emergency kit on hand. That way you can stay cosy and calm if the weather worsens.

Your home emergency kit should include:

  • non-perishable food
  • drinking water
  • spare batteries
  • a torch
  • first aid kit
  • warm, water-proof clothing
  • blankets
  • important insurance documents
  • instructions on how to turn off mains supplies
  • emergency contact numbers.

What to do when freezing weather is in full swing

Illustration of a husband, wife, son and cat sat on the sofa covered by a blanket, while snow can be seen falling through the window

Keep your home hot

Try to keep the heating on to keep your home warm and water running through your pipes. If you know you’re going to be out and about when the temperature drops, consider setting a timer for your heating to help keep everything ticking over smoothly.

If you plan on settling down in front of your open fire to ride out the worst of the weather:

  • try to use only seasoned hardwood to reduce creosote build-up
  • always use a fire screen to control flying embers
  • never put ashes in with the rubbish.

Don’t panic about pipes

When it’s freezing outside, burst pipes can be one of the biggest risks to the interior of your home. So, if a cold snap is forecast, leave the cabinet doors under sinks open to allow heat to circulate and help prevent any potential pipe problems.

If the worst does happen, there’s plenty you can do to prevent any further damage. Here’s what you need to know:

How to thaw out frozen pipes

  1. Check for leaking joints or bursts in the pipes. Do not attempt to thaw out frozen pipes by turning on your central heating boiler.
  2. Once you’ve located any frozen sections, gently heat with a hot water bottle, hairdryer, or heated cloth.

If you have a burst pipe

  1. Locate your stop valve and turn off the water as quickly as you can. If you have a major leak, it’s a good idea to turn off your electricity mains too.
  2. Turn on all cold taps to drain the system. Never turn on the hot taps - your hot water cylinder may collapse if the pipes on its route are frozen.

Remember, if you’re unsure about carrying out any of the above on your own, always seek the help of a professional plumber.

Keep it clear

A snow shovel and a stash of grit will be your most effective combination to keep the paths and stairs around your property clear, safe, and ice-free. In the event of heavy snowfall, try to remove build-ups (if it’s safe to) so you can get in and out of your property easily.

Stay on weather watch

Listen out for weather updates across TV and local radio, and keep an eye on the Met Office’s weather warnings. Their forecasts will tell you when the worst of the weather will pass, or help you decide whether you need to consider changing your plans as the situation deteriorates.

Remember, you should only leave your property or drive in winter weather if it is absolutely necessary.

What to do when the weather begins to thaw

Illustration of a lady woman wearing a thermal headband and scarf using a shovel to clear her driveway

Assess the situation

Once it’s safe to go outside, it’s time to inspect how your property has fared against the winter bite.

Start by checking for frozen pipes on the exterior of your home and begin clearing the surrounding paths, using grit and salt to prevent ice and frost from reforming.

When it comes to inspecting the health of your roof, never inspect it on your own as conditions are likely to still be too precarious. Instead, take a ground’s eye view and if you suspect that your guttering is blocked or an ice dam has formed, call in the professionals to get your roof right as rain.

If the worst happens

No matter how much you prepare, sometimes damage from winter weather is unavoidable.

If you’re unlucky enough to have your property damaged by wintry conditions, get in touch with your home insurer as soon as you can. They’ll give you advice on next steps, and ask you to document the extent of the damage by snapping plenty of photos.

You might want to keep references of the adverse weather – such as newspaper clippings and online articles – as further evidence of how your area was affected by the freezing conditions.

If there’s significant damage to your home, the quicker you act by arranging emergency repairs, the better. Always keep receipts as additional proof for your insurer.

Take time to reflect

When your house is shipshape once again, consider updating your home emergency plans and kit. It’s also worth considering whether the current level of home insurance meets your needs, or whether it’s time to enhance your cover for additional peace of mind.

If you’re an AXA customer, you can check what you are and aren’t covered for in your policy documents. You’ll find them in your online account.

Stay protected with AXA – whatever the weather

When extreme weather hits, it’s important to understand the ins and outs of your insurance policy. Find out more about buildings insurance from AXA and make sure you have the right cover you need to stay protected whatever the weather.