Church preparedness crucial with upcoming freeze
As North Texas prepares for another significant winter weather system, churches across the region face heightened operational, safety, and property risks.
Forecasts indicate a wintry mix of snow, sleet, and freezing rain beginning Friday afternoon, with the greatest impact expected in the Dallas-Fort Worth area by 9 p.m.

Temperatures will drop into the 20s Friday night and are projected to remain below freezing through the weekend, increasing the likelihood of power outages, hazardous travel conditions such as slick roads, and property damage. Residents in these areas are urged to stay off roads and protect their pipes from potential damage.
According to an Associated Press article, forecasters predict Texas may be part of a potentially catastrophic storm over the weekend, resulting in heavy snow and treacherous freezing rain resulting from cold air clashing with rain and forming a cold, arctic air mass.
Meteorologists warn this system could be part of a broader, high-impact storm affecting multiple states, with dangerous ice accumulation and travel disruptions. For churches, the implications extend beyond inconvenience. They involve stewardship, safety, and continuity of ministry.
Awareness is critical
Jacob Robb, meteorologist with Risk Theory Loss Control, emphasized churches benefit most when weather intelligence is proactive rather than reactive.
“Churches may not have the infrastructure [they need.] We wanted to help them [prepare] in any way we could, starting off with freeze notices,” Robb said.
Through KingsCover, churches enrolled in the Risk Theory church program receive advance freeze and severe weather notices. These alerts are designed specifically for church facilities and leadership teams, providing concise forecasts, impact expectations, and actionable preparation guidance.
Rather than relying solely on general media coverage, churches receive targeted communications focused on how upcoming weather conditions may affect plumbing systems, HVAC equipment, roofs, and water infrastructure.
“We send them notices, basically explaining what they can expect, and we try to break down [the information] so that we are giving them just the information they need,” Robb explained.
When the church doors stay open
Churches, which often remain in operation during adverse weather conditions to serve the community, may be at higher risk of suffering damage.
During a freeze that occurred on Sunday in San Antonio, local nonprofits and churches opened their doors to homeless members of the community, offering shelter, clothes, and warm meals to those in need.
According to the Voss Law Firm website, an insurance attorney in Houston, churches may be especially susceptible to winter weather due to irregular use of church buildings.
Churches may not operate seven days a week or remain open during wintry weather, making pipes more susceptible to freezing while not in use.
Operating during these weather conditions raises liability concerns, potentially exposing to lawsuits churches that do not have proper shelter insurance in place.
In many cases, the building’s structure is unable to withstand large amounts of snow or ice. This is especially true of older buildings, which often don’t have the proper infrastructure or heating systems to prevent damages.
Older churches may suffer from deteriorated materials, outdated construction methods, and general wear and tear associated with age.
Tips for preventing damage
John Murphy, KingsCover senior vice president, explained many property losses are preventable when churches understand and follow basic safeguard requirements.
“In almost every commercial insurance policy that you see today, you’re going to see a required safeguards section. That section will say, ‘We require you to maintain heat in your buildings during a freeze,’” Murphy said.
“The heat needs to be turned on a minimum of, generally, 55 to 60 degrees. You cannot turn the heat off in your building and not do the basic safeguard that will prevent your pipes from freezing,” Murphy added.
These requirements are often included in what insurers call a “protective safeguards endorsement,” making compliance a condition of coverage.
Additional precautions—such as allowing water to flow slightly in key plumbing locations, monitoring mechanical rooms, and checking unoccupied buildings—further reduce the likelihood of pipe failures.
“If you know a deep freeze is coming, you should have the water run a little bit out of at least one faucet in each building, so that water is continuing to flow. Flowing water will not generally freeze,” Murphy advised.
Many issues churches face during freezing weather involve a lack of routine monitoring: “The biggest thing specific to churches that we see as far as a problem, is that so often people don’t go into many of their buildings on a regular basis,” Murphy stated.
Insurance claims, according to Murphy, can get much worse as a result of church staff or volunteers not attending to potential issues in certain parts of the building.
“You could have a water pipe burst, and nobody [would] know about it for several days. It can flood through many stories and do much more damage than if it was caught immediately,” Murphy said.
Age is also a major factor that affects churches, with many historical churches still in use today.
“Another common issue is that so many [churches] use old buildings. They’re built with less insulation,” Murphy said.
Because many churches do not have updated facilities, it is crucial for staff or volunteers to monitor pipes and heating and A/C units as much as possible. This extends to ancillary buildings, such as child care facilities and fellowship halls.
Murphy notes many churches exclude property coverage from certain buildings due to cost, making it crucial to maintain basic safeguards to prevent damage in these areas.
“More churches over the last five years have chosen to exclude property coverage from certain buildings because of concerns with cost,” Murphy said. “It is more important than ever, if you don’t have insurance on a building and you know it, that you do the basics to prevent damage.”
Serving the community with confidence
As churches experience freezing temperatures, many choose to keep their doors open, providing shelter to individuals in need. While this raises liability concerns, Murphy encourages churches to leave their doors open to those in need.
During severe weather, churches often feel called to open their doors to serve vulnerable populations. While this carries inherent risk, Murphy emphasized that properly structured church insurance programs can support outreach efforts.
“A good insurance program can provide liability for [outreach.] It would be worthwhile to make sure you have a church specific policy that doesn’t exclude anything like disaster relief efforts,” Murphy said.
“There is some liability assumed always whenever we take people in to try to help. But it’s certainly [something] we encourage churches to do. If there’s a chance for you to help the community, do it, and share the gospel while you’re at it,” Murphy said.
Faith and responsibility are not mutually exclusive, Murphy continued. When a church is prepared, it can serve confidently, knowing it has taken appropriate steps to protect both people and property, he concluded.


