Your cottage opening checklist for a smooth season

The first cottage weekend feels like a reset. Fresh air, quiet mornings, familiar routines. But before you settle in, a proper opening matters. Winter can be tough on seasonal properties and a quick walk through now can prevent bigger issues later.

Here’s a simple checklist to help you open your cottage with confidence.

1. Start with a full exterior check

• • Walk the property before heading inside. Look for anything winter left behind.
  • Check the roof, siding, and foundation for damage. Scan for fallen branches or loose debris. Take note of anything that needs repair.
  • Pay attention to docks, decks, and stairs. These areas often take the most wear.

Example: In Ontario, freeze–thaw cycles are a major concern leading to cracked foundations, ice dams, and burst pipes. Heavy, wet snow also increases roof load risks, especially around the Great Lakes.

2. Turn on utilities carefully

If your cottage was winterized, take your time restarting systems.

• • Turn on water slowly. Watch for leaks around pipes, sinks, and toilets. If you have a well, confirm it’s working properly.
  • Restore power and test major systems. Heating, cooling, and ventilation should all be checked early.

If anything feels off, don’t ignore it. Small issues can escalate quickly.

3. Check for moisture and pests

Closed spaces can trap moisture over winter that can lead to mould or damage. Address problems early before they spread.

• • Look for water stains, musty smells, or condensation. Basements and crawl spaces need extra attention.
  • Check for signs of pests. Rodents and insects often find their way in during colder months’.

Ask an expert: Advisor tips to prevent moisture & pest issues

Moisture prevention:

• • • Control moisture early: Open windows (weather permitting) to air out the cottage and reduce trapped humidity. Use a dehumidifier in basements or crawl spaces if dampness is present.
    • Check ventilation points: Ensure vents, exhaust fans, and attic airflow pathways are clear – poor ventilation is a leading cause of mould growth.
    • Fix small leaks immediately: Even minor roof or plumbing leaks can quickly lead to mould or wood rot if left unaddressed.
    • Use moisture absorbers in closed areas: Closets, cabinets, and storage spaces benefit from desiccants during off-season months.

Pest prevention:

• • • Seal entry points: Inspect for gaps around windows, doors, vents, and where utilities enter the cottage. Use caulking or mesh to close openings.
    • Remove attractants: Dispose of expired food, clean crumbs, and store items in sealed containers.
    • Inspect insulation and wiring: Rodents often nest in these areas – look for droppings or chewed materials.
    • Maintain perimeter: Trim vegetation and keep woodpiles away from the structure to reduce hiding spots.

Moisture and pest issues often go hand-in-hand and damp, undisturbed spaces create ideal nesting environments. Early detection and good airflow are your strongest defenses.

4. Test safety equipment

• • Safety checks are easy to overlook. They shouldn’t be.
  • Test smoke alarms and carbon monoxide detectors. Replace batteries if needed.
  • Check fire extinguishers and confirm they’re accessible. Review your emergency plan with anyone staying at the cottage.
  • If you have a fireplace or wood stove, inspect it before use.

5. Inspect water access and outdoor features

• • If your property includes a dock or water system, inspect it closely.
  • Check for loose boards, unstable sections, or winter damage. Confirm ladders and railings are secure.
  • Look at outdoor furniture and storage areas. Clean and repair as needed before regular use.

6. Review your insurance coverage

Before the season starts, take a moment to review your cottage or cabin insurance coverage. Seasonal properties come with unique risks with weather, vacancy, and liability all playing a role. You can read more about cottage insurance here

Make sure your policy reflects how you use the property. That includes seasonal use, guests, or rentals. A quick conversation with an advisor can help identify any gaps.

Example of a coverage gap:
Many cottage owners assume short-term rentals (e.g., Airbnb) are covered under a standard policy. Renting out your cottage, even occasionally, often requires additional coverage or an endorsement. Without it, claims related to guest damage or liability could be denied.

“One of the most common issues we see is clients not updating their policy as their cottage use evolves. Whether it’s renting it out, leaving it vacant longer, or making upgrades – those changes can have a significant impact at claim time.”

7. Keep a simple maintenance plan

Opening weekend is just the start. Create a short list of tasks to stay on top of during the season. Regular checks can prevent unexpected issues. Think of it as part of your routine – a few minutes now can save a lot of time and a potential claim situation later.

You’re ready to enjoy the season!

A little preparation goes a long way. With the right checks in place, you can focus on what matters. Time at the lake, with fewer surprises.

If you’re unsure about your coverage or next steps, speak with Westland advisor to review your options.

We’ll take care of it.