Winter storms can seriously destroy properties by means of snow, ice, and freezing temperatures. Many homeowners find out whether their insurance covers such kinds of incidents. Your policy's particular terms and the kind of harm suffered will determine the response. Here is a closer view of the topics that are usually covered, as well as some possible ones.
What Is Typically Covered?
Most standard homeowners insurance policies cover winter storm damage under certain conditions. For example:
- Roof Damage: If heavy snow or ice accumulation causes your roof to collapse or leak, your insurance will likely cover the repair costs.
- Water Damage: Damage caused by water from melting snow or ice is generally covered if it enters your home due to storm-related issues, such as a damaged roof.
- Frozen Pipes: If your pipes freeze and burst due to a winter storm, most policies will cover the resulting water damage. However, this is contingent on you taking reasonable steps to prevent freezing, such as maintaining heat in your home.
- Wind and Ice Damage: Damage caused by strong winds or ice, such as fallen tree branches or broken windows, is typically included in coverage.
What May Not Be Covered?
While winter storm damage is often included, some exclusions or limitations may apply:
- Negligence: If damage occurs due to negligence, like failing to clear snow from a roof or not keeping your home adequately heated, your claim might be denied.
- Flooding: Flooding caused by snowmelt is not covered under standard policies. You would need separate flood insurance to cover this type of damage.
- Maintenance Issues: Long-term issues, like damage from ice dams caused by inadequate insulation, may not be covered as they are considered preventable maintenance problems.
What Should You Do After a Winter Storm?
After a winter storm, promptly assess your home for damage and take steps to prevent further harm, such as removing snow or patching leaks. Document the damage with pictures and correspond with your insurance company to initiate the claims process. Provide detailed records and receipts for any temporary repairs.
Conclusion
Winter storm damage is often covered by homeowners insurance, but it's crucial to understand your policy's terms. Review your coverage regularly, address maintenance concerns, and consider additional policies, like flood insurance, to ensure full protection during severe weather events.