Home Damage from Snow Not Always Covered Under Homeowner’s Insurance

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The winter is effectively here burying homes in the north in layers of snow. When the next winter storm comes close, you may be left wondering, does homeowners insurance cover snow damage? Not all damage left behind may be covered.

Flood

As seen on https://www.thayerinnes.com/, flood damage is not covered under a homeowner’s insurance policy. Depending on the amount of snow accumulated, you need a flood insurance policy to cover the potential flooding caused by melting snow.

Roof

If you fail to properly maintain your roof, the weight of the snow could cause problems. You can experience roof leaks when the snow begins to melt. The roof itself could have areas of rot or collapse. Take the time to properly maintain your roof to ensure your insurance covers the damage.

Trees

Trees can blow on the home from the winds whipping them. Heavy snow can cause a limb to break off and crash into your home. If you haven’t taken the time to trim back trees, you could face paying for these repairs on your own.

So, does homeowners insurance cover snow damage? As you can see, it depends on a variety of factors. The best thing you can do is properly maintain your home. Keep trees trimmed, the roof in good shape and make sure you have the right insurance coverage.