In Verbier, prolonged cold spells combined with unoccupied properties represent a real risk to water installations. Every winter, property owners face sometimes significant damage that is often preventable through simple precautionary measures.
Water pipes can freeze both in unoccupied properties and in occupied homes that are insufficiently heated. Particularly vulnerable areas include attics, garages, cellars, and bathrooms located in poorly insulated spaces.
Insurance and duty of Care
Contrary to a common misconception, damage caused by frozen pipes is not covered by natural hazards insurance. A building water damage insurance policy is generally required to cover repair costs as well as consequential damage. For rental properties, this insurance may also cover loss of rental income.
It is nevertheless important to recall that insurance does not release the owner from their duty of care. A lack of preventive measures may, in certain cases, result in a reduction of insurance benefits.
Recommended preventive measures
To reduce the risk of freezing:
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maintain a minimum level of heating in both occupied and unoccupied properties;
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drain water pipes and connected appliances in properties left vacant during the winter;
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pay particular attention to exposed areas (attics, garages, cellars, non-insulated bathrooms);
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close garage and cellar windows, while ensuring adequate ventilation of the boiler room;
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in the event of abnormal or interrupted water flow, immediately shut off the water supply and have the installation checked without delay.
Contribution from ou partner La Mobilière
This information and advice are provided with the support of our partner La Mobilière, which assists many mountain property owners with these issues.
February 2026