Will Homeowners Insurance Cover All Snow Damage?

A fresh layer of snow can make a home and the surrounding property look and feel like something out of a Thomas Kinkade painting. However, that picturesque snowfall can quickly become a hazard for homeowners. Snow damage can occur in a variety of ways; some losses are covered under a standard homeowners insurance, but many are not. Winter-related coverage is typically limited to damage that is caused by a specific event, such as a winter storm that brings heavy snow, but later when the snow begins to melt, coverage may not apply.

Let’s look at some of the ways in which snow can cause damage to a home and whether or not these losses are covered by homeowners insurance.

Falling Trees

Wind or snow/ice accumulation can wreak havoc on the trees surrounding a home, causing limbs to break off or entire trees to topple over. If branches or trees were to fall during a winter storm, directly resulting in damage to a home, it would be covered under the standard homeowners insurance policy up to the policy limits. However, it is possible that if the homeowner knew that a tree or its limbs were at risk of falling but neglected to take steps to remedy the situation, they may be held liable for the damage.

Roof Collapse

Snow and ice can also accumulate on the roof of a home. After multiple days of heavy snowfall, it’s possible to the roof to collapse from the weight off the snow and ice. Not only does this cause structural damage to the home, it also can damage the personal property inside. Both structural damage and property damage are included in a typical homeowners insurance policy, but compensation limits may apply to both.

Wind Damage

Blizzards often bring heavy winds, which can cause significant damage alone, let alone when paired with heavy snow and ice. Thankfully most, if not all, of the damage from a blizzard is covered under a standard homeowners insurance policy.

Melting Snow Seepage

When the sun comes out, snow accumulated on and around a home may start to slowly melt. Water can then seep into the foundation or through parts of a roof leaks, causing water damage to the structure and personal property. Most standard homeowners insurance policies won’t cover damage that results from melting snow, as it is considered an “outside” water condition and should instead be mitigated by flood insurance.

About AmSuisse

Formed in 2013, AmSuisse, Inc. has quickly distinguished itself as a wholesale operation that specializes in working very closely with our agents and broker partners to develop responsive, individualized service for each client. Our unparalleled writing support, industry-specific expertise, marketing support, responsive proposals and quotes, strong customer service, and strong relationships with our carrier partners have all helped us to provide the best possible coverage for our clients. To learn more about our available coverage, contact us today at (800) 485-0229 to speak with one of our representatives.