What is winter storm damage?
Winter storm damage is a collective term covering different forms of dangerous and challenging weather. There are a few conditions that you might encounter during a winter storm. They include:
- Blizzards
- Flurries
- Ice storms
- Wind chill
- Sleet
Does homeowners insurance cover snow damage?
A standard homeowners insurance policy usually covers roof collapse from snow, ice, or sleet and any damage to personal property and belongings if snow gets in due to the collapse. However, if your roof has not been maintained properly, it might not be covered, making it important to keep it well maintained all year round.
Does home insurance cover storm damage?
Homeowners insurance covers winter storm damage, including a roof that is damaged or collapses under the weight of snow, water that leaks through a roof damaged by a winter storm, and damage from pipes that burst due to a sudden freeze.
The infographic below shows what homeowners insurance typically covers when winter storms strike.
Sources
Redcross.org. “Winter storms.” Accessed June 2024.
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Frequently asked questions
Does home insurance cover roof collapse from snow?
Yes, home insurance usually covers roof collapse from snow, as long as your roof is well-maintained and doesn't have pre-existing issues.
Does homeowners insurance cover ice damage?
Yes, homeowners insurance typically covers ice damage, including ice dams and damage caused by heavy ice on your roof, as long as your home and roof are well-maintained.
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