With wildfires ablaze in the Westand temperatures still warm in most of the country, it’s hard tothink ahead to the deep freezes of winter. But families would bewise to consider how to protect their homes from the winter coldnow – especially if they own large, custom-built homes.

With frigid temperatures extending far into the Southern statesin the past two winters, the vast majority of homeowners need toappreciate the possibility of significant damage from frozen pipesand ice dams. We had one high-net-worth (HNW) client as far southas Georgia whose home suffered $500,000 in damage from a frozenpipe that burst.

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