How to Minimize Weather Damage to Commercial Property: A Smart Maintenance Guide

Every year, businesses across the U.S. face billions of dollars in property damage due to severe weather. From windstorms and hail to ice dams and flash floods, extreme weather can bring operations to a halt and rack up costly repairs—unless you’re prepared.

At RiskAssured, we help commercial property owners prevent costly weather damage through proactive risk management. In this guide, we’ll show you how to reduce your exposure, protect your investment, and avoid disruption through regular inspections and maintenance.

Photo by xu dee on Unsplash

Why Weather Damage Is a Growing Threat to Commercial Properties

According to the National Severe Storms Laboratory (NSSL), the U.S. experiences roughly 100,000 thunderstorms each year, and about 10% become severe. But the risk doesn’t stop with lightning:

• Wind Damage: Winds above 50–60 mph are classified as damaging and account for half of all severe weather reports.

• Hail Damage: Hailstones as large as 8 inches have been recorded—large enough to destroy roofing and windows.

• Flooding: Causes an average of $5 billion in damage annually, even in inland areas.

• Ice Dams: In cold climates, melting and refreezing ice can lift shingles, destroy insulation, and cause water damage.

The High Cost of Skipping Maintenance

Delaying minor repairs can lead to expensive consequences. Think of your commercial property like a vehicle—routine upkeep helps avoid major breakdowns.

Hiring a licensed, insured contractor to inspect your property before and after storm season is the best way to catch early signs of wear and tear before they spiral into bigger issues.

What to Inspect on Your Commercial Property

Use this commercial weather damage checklist to ensure your facility is storm-ready:

Roof Materials

• Look for damaged, curling, or missing shingles

• Watch for granule loss, which reduces shingle effectiveness

• Schedule a roof moisture survey to catch hidden water intrusion

Roof Edges & Flashing

• Check edges, fasteners, and flashing for looseness or peeling

• Ensure water barriers are intact to prevent infiltration

• See our guide to flashing maintenance best practices

Ponding & Drainage

• Watch for standing water on flat roofs

• Clogged drainage can lead to leaks and even structural collapse

Roof-Mounted Equipment

• Inspect all HVAC and rooftop systems to ensure they’re secure

• Look for signs of snow/ice accumulation or changes in performance

Walls, Ceilings, Doors & Windows

• Look for cracks, water stains, and leaks

• Misaligned doors and windows may indicate structural damage

Gutters & Downspouts

• Clear debris to avoid overflow and prevent ice dam formation

• Ensure proper slope for drainage away from the building

Attic Insulation

• Follow National Weather Service guidelines:

  • Minimum R-30 insulation

  • R-38 recommended for cold northern climates

  • Ensure adequate attic ventilation

Preventative Tips for Long-Term Storm Protection

• Inspect before and after every storm season

• Fix minor damage immediately to prevent bigger issues

• Include contractors with OSHA and DOT compliance in your agreements

• Document damage after storms for insurance claims

• Review insurance coverage annually to ensure proper storm and wind protection

Final Thoughts: Protect Your Property Before the Storm Hits

Extreme weather events are no longer rare—and they don’t have to be ruinous. Proactive maintenance, smart design choices, and strategic inspections can help you minimize weather-related damage and keep your business running smoothly all year long.

At RiskAssured, we offer expert consulting, custom risk assessments, and operational support to help you weatherproof your assets.

👉 Contact us today to schedule a weather damage risk assessment or learn more about our property protection services.