Preparing retail buildings for severe weather
Nearly every retailer will experience severe weather at some point.
Hurricanes and tornadoes often receive the most attention, but severe thunderstorms can be just as disruptive. While no one can predict when the next storm will occur, the condition of a building and the level of preparation are well within a retailer's control.
Preparing for severe weather starts with identifying vulnerabilities before they become costly failures. Routine maintenance, business continuity planning, and employee preparedness can reduce property damage, minimize business interruption, and help stores reopen more quickly after a storm.
One challenge for many retailers is the relationship between the tenant and the building owner. In shopping centers, strip malls, and even some standalone buildings, the retailer often leases the space rather than owning it.
Because of this, it is important to understand the responsibilities defined in the lease agreement. Knowing who is responsible for building maintenance, equipment repairs, and capital improvements helps ensure critical maintenance items are not overlooked. Even when the building owner is responsible for maintenance, retailers should communicate any deficiencies to the property owner or manager and work together to address them before severe weather threatens the property.
The roof is one of the most important components of any commercial building, yet it is often overlooked. It is the building's first line of defense against wind and rain and is typically the largest exposed surface. Regular inspections should focus on the condition of the roof covering.
On low-slope roofs, inspect the membrane for signs of wear, punctures, open seams, or other damage. On steep-slope roofs, look for missing, loose, or damaged shingles or tiles. Any damage that allows water to enter the building can lead to interior damage, inventory losses, and prolonged business interruption.
Roof-mounted equipment should also be inspected regularly to confirm that it remains securely attached. This includes HVAC units, solar panels, exhaust fans, refrigeration equipment, and other rooftop systems. Areas where pipes, conduit, vents, or equipment breach the roof should be checked to verify that flashings and sealants remain intact and watertight.
Roofs should also be kept free of leaves, branches, trash and other debris. During high winds, loose debris can damage the roof covering, while clogged roof drains can prevent water from draining and increase the risk of water intrusion.
The building envelope deserves the same level of attention. Many retail buildings have large storefront windows and automatic sliding entrance doors that are exposed to wind-driven rain. Over time, the perimeter sealants, glazing, and weather seals around storefront windows begin to deteriorate, creating pathways for water to enter the wall assembly. Left unaddressed, these openings can allow moisture to damage wall cavities, finishes, and interior contents.
Automatic sliding doors present additional challenges because they are constantly opening and closing throughout the day. As these doors age, they can become misaligned, preventing the weatherstripping from sealing properly when the doors close. Deteriorated perimeter sealants, worn weatherstripping, damaged thresholds, and clogged drainage channels can all allow wind-driven rain to enter the building. Doors that are not properly aligned may also be more susceptible to wind damage during severe storms.
Preparing for severe weather also extends beyond the building itself. Conducting routine walk-arounds of the property can identify issues before they become larger problems during a storm. Outdoor displays, shopping carts, trash receptacles, signs, pallets, and other loose materials should be secured or moved indoors whenever possible. These items can become windborn debris, damaging the building, neighboring properties or passing vehicles.
Retailers should also maintain an inventory of their merchandise, review insurance coverage with their agent or broker, and regularly exercise their business continuity plan. A plan is only effective if employees understand their roles and have practiced how they will respond before an emergency occurs.
While no business can eliminate every risk, retailers can take meaningful steps to reduce vulnerabilities before severe weather strikes. Preparation is rarely about a single project or investment. It is the result of consistent maintenance, understanding where vulnerabilities exist, and addressing them before severe weather arrives.
The time spent preparing today can significantly reduce property damage, shorten recovery time, and help businesses return to serving their customers when it matters most.
Ross Haigler leads the Commercial Lines team at the Insurance Institute for Business & Home Safety (IBHS), partnering with insurers and property owners to strengthen commercial and multifamily buildings against natural hazards. He helps translate IBHS research into practical strategies that reduce losses, improve resilience and keep businesses operating.
For additional resources on preparing commercial buildings for severe weather, visit ibhs.org.


