Homeowners' Insurance

Homeowners’ Insurance and Snow Damage: What You Need To Know

As a homeowner, you know that the best way to protect your home is to invest in a high-quality homeowner’s insurance policy. The policy is designed to help you pay for the cost of repairs if your home gets damaged by a qualifying event. This often includes damage due to wind, fires, vandalism, and even falling trees. But does it cover snow damage? The answer largely depends on the details in your policy and the types of damage you’re dealing with.

The Types of Damage Your Policy Covers

Most homeowner’s insurance coverage will protect against certain types of snow damage. These include the following issues:

  • Roof damage from fallen limbs
  • Structural damage due to weight of snow
  • Wind damage caused by the snowstorm
  • Burst pipes
  • Roof leaks from melting snow

These are just a few of the types of snow-related incidents that your standard homeowner’s insurance policy will cover. Keep in mind that the damage must be a result of the storm, not the result of general neglect.

What Counts as General Neglect?

General neglect refers to any damage resulting from a lack of maintenance or non-storm-related damage. If you make a snow damage claim in an attempt to get money for repairs you overlooked, your claim will be denied. Standard homeowners’ insurance claims will cover snow-related damage. If you’re filing a claim, take pictures of the damage and present them to your agent as proof of the storm.