Well there you go, Theo. That's the majority of
what I grow--tender roses.



My roses get no protection, no mounding, nothing.
They make it through winter just fine. Even St Patrick
survived last year -8F cold fairly well.

You coldweather rose stud you. G

Not anymore cos according to USDA I'm
now a solid Zone 6b. Hah!

Getting back your question you are right
moisture and cold weather don't mix well
with roses.

One thing that might help is to stop watering
in early november. This will hopefully let the ground
dry out a little and also drive the plant into dormancy.

But honestly I do grow several tender roses, St Patrick
America, Veterans Honor, Morgo & dick Koster, Rosemary rose
and Gruss an aachen.

As long as their roots/grafts don't freeze solid in ice/moisture
they always spring back irrespective of top damage.

In you're mild climate you may not see any
damage even for the most delicate rose.

I'd worry more about the roots than the
above ground part.


--
Theo in Zone 5
Kansas City