If your home has been damaged be severe winter weather, you may be wondering whether or not the damage is covered under your insurance policy. While specifics may vary depending on your exact policy, standard homeowners insurance covers damage caused by snow, freezing rain, wind and severe cold. Among the things covered are:
- Damage to your house caused by falling ice or by the weight of ice and snow.
- Tree limbs that have fallen on your house. Generally, the damaged caused by the limb and the cost of removing the limb itself are both covered.
- Wind damage to your house, possessions, and any other insured structures that rest on your property. Damage caused by freezing rain or blowing snow, driven by wind into your house after the original damage occurred, are also covered.
- Damage from frozen and burst pipes, as long as you did what you could to keep the pipes insulated and well-maintained.
- House damage caused by ice dams on your roof. Ice dams are caused by melting snow that freezes on your roof, preventing runoff from draining and causing leaks. The damage is generally covered as long as you did what you could to keep your house warm.
One thing not covered under standard home owners insurance is flooding damage from melting snow that seeps into your house through the ground. This problem is covered instead under flood insurance. If you have storm damage to your home, the best course of action is to begin a home inventory to document any losses, and get in contact with your insurance company or agent as quickly as possible.