What You Need to Know about Homeowner’s Insurance and Snow Damage

insurance policy

If you live in a cold climate, chances are you are no stranger to the impacts of snow. A snowstorm can cause tremendous damage to your home, some of which might not become apparent until well after the storm has passed. It is important to understand the coverages included in a general homeowner’s insurance policy so that you can supplement your plan if needed before a big storm causes even bigger damages.

Winter Weather Coverage

So, does homeowners insurance cover snow damage? The simple answer is, it depends. Most standard policies will cover repairs from the direct impacts of winter weather events. Roof damage from accumulating snow, damage from blizzards and displacements due to power outages are some of the protections you can expect. There are, however, other common issues that might not be covered or may require supplementary insurance. Some of these include:

  • Repair of pipes that break during an event when the homeowner neglected proper care
  • Leaks from a poorly installed roof
  • Flooding that is the result of melting snow
  • Damage from ice and snow when guidelines are established for removal requirements

Winter weather events can cause significant and costly damage to your home. It is important to understand exactly what is covered under your current policy so that you can adequately protect your property and your finances when winter strikes home.