Averaging meters, center-weighted and matrix included, tend to underexpose contrasty scenes. So:
If you're shooting negative film, B&W or color, add exposure in contrasty situations. Very contrasty; add a stop. Extremely contrasty; add two stops. The key here is to get the information you need to make a good print on the negative. A bit of overexposure won't hurt.
If you're shooting transparency film, you'll need to use the exposure lock or compensation. The best scenario is to take a reading from the brightest area that you want to retain detail in, say white water or textured snow, and then close down two stops. (Note, this is a general recommendation; different films might need a bit more stopping down. Do bracket and test at first till you find the correct factor). If you can't meter the bright area, and stop down, then you need to underexpose from the meter reading a bit. How much is really a guess, but bracketing will help in tricky situations. The main thing here is to get the highlights exposed correctly so they aren't blown out. With transparency film, you just have to let the low values fall where they may (unless you can control the lighting, pre-expose, use a reflector, etc.).
Best,
Doremus