Matt Olphin, Director of Client Risk Solutions at Glatfelter Ministry Care
$130 Billion.
That’s the estimated damages from the winter storm event earlier this year that brought Texas to a screeching halt, according to AccuWeather. The storm was one of many that has been dubbed the “costliest month of weather impacts in U.S. history.” And while it’s tempting to say that the scope of these weather events isn’t likely to happen again in our lifetime, these super-storms and others like it are becoming increasingly common.
Indiscriminate in its destruction, property of all types can be flattened, flooded or face other devastating damages from extreme weather – and churches are no exception. And, as we witnessed with Texas, even if your local climate isn’t prone to certain weather events, it doesn’t mean they will never happen.
What would it mean for your church if the property couldn’t survive the next storm? You could rebuild, but outreach programs would likely be put on hold; funds might need to be reallocated towards recovery. It’s a situation no congregation wants to find itself in, and with the right preparation and preventative maintenance, your church can help reduce its risk of facing that reality.
Below, we’ll explore the different types of weather events that could affect your church, and how to help reduce risk for each one. But first, let’s talk about actions you can take to help your church face everyday weather, which over time can cause expensive damages as well.
Don’t worry, we don’t literally mean you have to complete these steps every day! These maintenance measures should be performed regularly, or conducted at least yearly and after each heavy storm.
2020 saw the most tropical storms in recent history, with a total of 30 named storms appearing in the Atlantic region, according to the National Oceanic and Atmospheric Administration. Thirteen of these developed into hurricanes, six of which became major hurricanes (defined as storms reaching 111mph winds or greater). If your church resides along the eastern seaboard, gulf coast, an island or another area within water’s reach, it needs to adopt an emergency action plan focused on hurricane prep. Make sure it includes:
For more hurricane safety guidance, please read our risk bulletin here.
The National Centers for Environmental Information offers data on severe weather events, including tornadoes. While 2020 saw a decrease in tornado activity from 2019, over the past 70 years, there has been an overall gradual increase in yearly tornado events. The Midwest continues to see the most tornadoes, but these powerful weather events can hit just about anywhere in the continental U.S. during any time of the year.
Even more troubling, tornadoes give little-to-no warning before striking, and their paths can be impossible to predict. For these reasons, churches may be unable to prepare their property for the oncoming storm, but congregations can prepare members with details on what to do in case a tornado watch or warning is issued during services. Your church’s emergency action plan should include:
For more guidance, please visit Ready.gov.
Cold weather brings unique challenges. Dropping temperatures can lead to burst pipes, heavy snowfall can strain roofing, and melting ice and snow can flood grounds and erode walkways. Even if ice and snow are common in your area, a deep freeze or heavy snowfall can sneak up and still surprise you with its ability to cause costly damages. Help protect your property by properly winterizing it before the change of seasons. Here are some top-level tips:
For more cold weather tips, read “Winterizing Your Worship Center.”
Mother Nature can pack a pricey punch when she dishes out extreme weather. But with the right preparation you can help your church survive the next storm and better keep your members safe. For more resources on property management, please visit our Risk Management Center.
Self-Inspection Form for Worship Centers + Grounds: Glatfelter Risk Resource
Hurricane Safety: Glatfelter Risk Resource
Hurricane Preparation Checklist: Glatfelter Risk Management
Cold Weather and Broken Water Pipes: Glatfelter Risk Management
Roof Assessment Guidelines and Checklist: Glatfelter Risk Management
Glatfelter Risk Management Center
Director of Client Risk Solutions
Email Matt | 800.233.1957 ext. 7230
Matt Olphin is the Director of Client Risk Solutions for Glatfelter Ministry Care, which specializes in insurance and risk management programs for churches and other religious institutions and is a division of Glatfelter Insurance Group (an AIG company), one of the largest program managers in the U.S.
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