Despite assumptions that frozen pipes are only a "northern risk", this episode explores how ministries and property owners in warm states like Texas and New Mexico are equally vulnerable to catastrophic damage during rare but severe cold snaps. Colton Johnson, Regional Manager for Lightwell Insurance Advisors in TX and NM, shares practical steps, technology solutions, and common misconceptions about protecting church buildings from water damage, emphasizing proactive risk management. The conversation equips ministry leaders with actionable prevention strategies, insight into insurance implications, and guidance on working with trusted advisors to avoid costly losses.