Homeowners insurance typically covers damages caused by ice and snow, but coverage may vary depending on the specific terms of your policy. Here are some things to consider when it comes to ice damage and homeowners insurance:
- Damage caused by weight of ice and snow: Most homeowners insurance policies cover damage caused by the weight of ice and snow on the roof, walls, or other structures of the home. This may include damage to the roof or walls from the weight of snow and ice, as well as damage to pipes or other plumbing caused by freezing temperatures.
- Water damage caused by melting ice and snow: Homeowners insurance generally covers water damage caused by melting ice and snow, such as water that leaks into the home through the roof or walls. However, coverage may vary depending on the specific circumstances of the damage.
- Damage caused by ice dams: An ice dam is a ridge of ice that forms at the edge of a roof, preventing snowmelt from draining off the roof. If water from an ice dam leaks into your home and causes damage, it may be covered by your homeowners insurance. However, you may need to prove that the damage was caused by an ice dam and not by some other factor, such as a broken pipe or a leaky roof.
- Flooding caused by melting ice and snow: Homeowners insurance typically does not cover flooding caused by melting ice and snow. Flooding is typically defined as a general and temporary condition of partial or complete inundation of normally dry land areas from the overflow of inland or tidal waters, so it is not covered under a standard homeowners insurance policy. If you live in an area that is prone to flooding, you may need to purchase a separate flood insurance policy to protect your home.
- Damage caused by ice or snow removal: Homeowners insurance generally does not cover damages caused by the removal of ice or snow from your property. This includes damage to your property or to someone else’s property caused by the use of a snow blower or shovel.
It is important to review the specific terms of your homeowners insurance policy to understand what is and is not covered when it comes to ice and snow damage. If you have questions about your coverage or are unsure whether a specific type of damage is covered, it is a good idea to speak with your insurance agent at Panichelle Insurance. We can help you to understand your coverage and assist you in filing a claim if necessary.