Winter Roof Care for Cottage Owners: A Guide to Snow, Ice, and Insurance For many cottage owners, winter is a season of "out of sight, out of mind." However, the unique architecture of cottages—often featuring low-pitched additions, complex rooflines, and unheated spaces—makes them particularly vulnerable to winter weather. Whether your property is a year-round retreat or a seasonal getaway, understanding when and how to manage roof snow is critical for protecting your investment and ensuring...

Owning a cottage in Ontario is the dream—until it becomes an insurance nightmare. Whether you’re in Muskoka, the Kawarthas, or along Lake Huron, there’s a ticking clock on your place the moment you lock the door and head back to the city. In the world of insurance, there’s a huge difference between a cottage that’s “lived in” and one that’s “left alone.” If you aren’t careful, a month of silence at the lake could mean your coverage disappears exactly when you need it most. The “30-Day Rule”...