It’s that time of year again when the bottom can drop out of the temperature gauge, and OMAG wants to make sure that you are prepared. Sub-freezing temperatures can wreak havoc on buildings and water damage from busted pipes is the most common issue. You want to protect all properties, but vacant buildings pose the most risk to extreme freezing as they are often an afterthought. As a reminder OMAG’s Municipal Property Protection Plan (MPPP) limits coverage for vacant buildings and excludes any loss due to water damage (See page 19 of MPPP). For this reason, we ask that you remember to take proper precautions on all vacant properties when Father Winter decides to strike. Other exclusions in addition to water damage under the OMAG Vacancy Clause include loss due to vandalism, sprinkler leakage, building glass breakage, theft, and attempted theft.