Is There Coverage for Ice and Snow Damage?

Is there coverage for ice and snow damage? Each year in the US,   the winter brings about $26,000 worth of damages to properties and homes. This type of damage is usually included in the home insurance policy. But then other significant damages can cost much money, and such include damaging hail or wind, frozen pipes and too much snow on the roof. These things can cause major damage to one’s property. Know more about ice and snow damage coverage.

ice and snow damage

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Ice and snow damage coverage

Many insurance policies can cover specific damages, but then there are other occurrences in the winter that basic insurances do not cover.   For this reason, homeowners are advised to winterize their homes.  With it, they may be able to save themselves from headaches and stress associated with filing a claim for winter damage to their homes.

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Will home insurance cover snow and storm damage?

Yes, but it does come with certain exceptions.  The following are some of the winter damages that can be covered by the policy:

  • Freezing pipes
  • Flooding due to melting snow
  • Hail damage
  • Fallen trees
  • Ice dams formed on the roof
  • Roof damage due to snow and ice’s weight
  • Wind damage
  • Water infiltration but dependent on the cause
  • Power failure

What are not covered?

Most standard policies cover a majority of winter weather damages, such snow, ice and water damage, but with exceptions when the policy is not covering a few cases.

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For example, ice surge is not covered. It happens when ice sheets from bodies of water go onto the shore and cause damage to the properties or homes near the area.

If you want this type of damage be covered by the policy, you may want to consider flood insurance on top of your standard home policy.

Another is ice quakes.  This type of damage may be rare, but it is possible when water underground freezes, causing expansion to and shaking the ground and eventually leading to property and home damage.

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Ice and Snow Damage

These are two main causes of home damage in the winter when the snow can ruin a property and collapse a roof, as examples.

And by the time the snow starts melting, it can lead to serious problems on septic systems, for instance. Other problems can also include frozen pipelines and slip-and-falls.  And if a tree accumulated too much ice, its branches might break and fall onto your property – or neighbor’s home.

Without even saying, heavy ice and snow is a headache for the majority of US residents. To know more about ways to protect your home from this damage and prevent you from the potential headache of filing insurance claim, keep reading.

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How do I protect my home from snow and winter storm damage?

You should have enough insurance cover when purchasing home insurance.  But besides that, you should also consider taking additional steps in protecting your home and ensuring it is well protected and prepared before the winter comes.

Make sure that your gutters are clean along with the downspouts. It is done to ensure that melting ice and snow won’t be blocked and that it can flow freely.  If not, it might back up, leading to damage to your property.

ice and snow damage

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Repair the roof.  This is one of the essentials in winterizing your home.   Check on the flashing and roof and ensure that they’re in good condition. You may want to do repairs on non-working or worn parts before winter arrives.  By doing so, you can be certain that your roof is in good shape, preventing leaks to damage your home.

Trim your trees: Do it regularly to prevent any limb from falling and breaking due to the additional weight coming from ice and snow.

Drain water from the pipes that lead to the exterior faucets to ensure they won’t be damaged due to freezing. On the other hand, you may also want to insulate the pipes in cases when you cannot drain water from them.   See to it that you’re insulating them correctly to prevent them from bursting, too.

Replace or add weather stripping. This is another way of protecting your home from ice and snow damage.   So before winter comes, you should check that your doors and windows are well sealed.  Consider applying weather stripping and caulking. You should also try replacing any damaged or worn out components.

Check, inspect, clean and repair your heating system if needed before the winter arrives.  You should also keep it on top working condition to prevent it from breaking down, not being able to heat your home in the coldest times of the year.

So, is there cover for ice and snow damage?

Just as we mentioned above, most common damages are covered, but there are exceptions.  If you want to prevent yourself from the stress and headache associated with ice and snow damage and filing a claim, you should consider winterizing your home to prepare it for the winter weather or think about buying flood insurance.

Did your home suffer from ice and snow damage?  Tell  us about it.

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