Somebody has given you a date. Maybe it was the pool company, whose truck schedule fills up by the middle of September. Maybe it was the neighbour who has closed on Thanksgiving weekend for eleven years running, or a chart you found online that assigned your whole country a single week in early October. The date arrives with a certain confidence attached to it, and almost never with a reason.
Here is the thing worth knowing before you book: that date is standing in for two completely different questions, and it answers neither of them particularly well. One question is about your water, and it is really a question about algae and chemical cost. The other question is about your pipes, and it is the only one that can hand you a repair bill. Those two questions come due at different times, in different months, and in your city specifically rather than in Canada generally. A closing date that treats them as one event is a compromise between them, made by someone who has never seen your yard.
So this is an article about what the date is keyed to. We will look at what a closing actually protects and how that damage really happens, separate the two clocks so you can see which one you are racing, put average first-frost dates from fourteen Canadian cities side by side, and walk through the parts of the closing sequence that genuinely buy you time. Then we will get to the honest part, which is the short list of conditions under which another two weeks is a perfectly reasonable call, and the shorter list under which it is not.