Homeowners Policies and Snow Damage Protection: Are You Covered?


The winter weather can wreak havoc on your home. While you are helpless to stop a snowstorm, you do have to care for the aftermath. If your home is damaged after heavy snow, it’s time to check out your homeowner’s policy to find out what is covered and what isn’t.

Does Homeowners Insurance Cover Snow Damage?

According to the experts at Thayer Innes Insurance, some damage may be covered under your policy. For instance, damage from fallen trees or roof damage from snow accumulation may be covered. The events that homeowner’s insurance generally covers are those events that you couldn’t prevent.

What Doesn’t Homeowners Insurance Cover?

Often, snow damage is not covered if it happened due to the homeowner’s negligence. For instance, if you did not take proper care of your pipes and they burst, your policy may not cover it. Likewise, if your roof is in disrepair and the snow leaks into your home, then you may not have coverage for it.

When it comes to snow damage, it is crucial that you check your homeowner’s policy thoroughly. When you live in an area that is prone to snow damage, you have to keep in mind all of the possibilities. As long as you maintain your home, most snow damage is covered.