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

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

“The biggest issue I've seen with winterization is the need toprevent the intrusion of water into the home,” says Cline. “Thereare just so many ways that water can infiltrate the home, specificto winter conditions. When this occurs, the destruction can besubstantial, from ruined interiors and damaged fine art tomold.”

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