For many high-net-worth (HNW) individuals, retreating to a winter home or remaining in a cold climate during the winter can create mayhem for homes unprepared for Mother Nature’s whims.

While the breadth of risks in frigid weather is remarkable, so are the many technologies that have been created in recent years to discern a lurking disaster. I recently spoke with Jeff Cline, principal at BCU Risk Advisors in Chicago, for his winter risk perspective. BCU focuses exclusively on the risk management and insurance needs of affluent individuals and families.

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