Winter Weather Damage Covered by Homeowners Insurance

home in winter storm
Winter Weather Damage Covered by Homeowners Insurance

Winter weather can bring an abundance of troubles to homeowners including damages from high winds, snow, ice, frozen pipes, and more. At Staples & Associates, we’re here to make sure you know what winter weather damage is covered by your homeowner’s insurance and what is not.

Overall, homeowners insurance covers your home and property from damages, including some winter hazards. We have compiled a list of winter weather damages that may be covered by your policy.

Snow & Ice: If there is enough snow and ice to weigh on your roof and cause it to collapse or leak, home insurance can help cover the costs of the damage. This is similar to damage caused by fallen tree branches on your property, which would also be covered. 

Frozen Pipes: When a frozen pipe bursts strictly as a result of the winter weather, and causes water damage, homeowners insurance may help with the claim. However, it is important to make sure that the pipes are well maintained and equipped to handle winter storms because maintenance claims are not covered. 

Strong Winds: Any damage caused by blizzards and strong winds is covered by home insurance. For example, roof damage, and fallen tree limbs on your property.

Winter Weather Damage Not Covered by Homeowners Insurance

Flooding: Home insurance does not cover flooding even in the event of winter weather. It is recommended to get separate flood insurance to cover these issues and protect you from flood damages. 

Preventable Damage: Any damage that was exasperated by winter weather, but not properly maintained in the first place, is not covered by homeowners insurance. This could include roofs with weak structures, unkept pipes that freeze, and poor insulation. 

Don’t wait until it’s too late! Make sure you have the proper coverage for your home’s needs. Reach out to Staples & Associates today for more information on specific types of insurance that are right for you.

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