Does My Homeowners Insurance Cover Damage from Snow?

 In Home Insurance

This year’s winter wonderland is well on its way, and with it comes the beautiful white snow that is its signature.  Preparing for the winter season and the snow it brings means understanding the coverage your insurance may provide.

Many people assume that their homeowner’s insurance policy covers snow damage, but is this truly the case?

When it comes down to it, the answer to this question is more complicated than it seems.  Most insurance companies cover snow damage on a case-by-case basis, meaning that there is no one right answer.

Here are a few things you should keep in mind before you assume snow damage will be covered.

Frozen pipesHave You Kept up with Maintenance?

Roof collapse  due to snow damage is not always covered by insurance companies.  This is not because they are unwilling to cover this type of damage, but because it  can often be prevented with good maintenance.

Before winter begins, always check your roof and make sure it is ready for the stress of snow.  Any maintenance you do should be documented in case of difficulties down the road.

Bursting Pipes

Sometimes burst pipes will be covered by your insurance company, but only if you have taken proper preventative precautions.  Be sure to turn off your outside water and clear the pipes before winter strikes to avoid a bursting pipe.

Your homeowner’s insurance policy will probably cover most snow related damages, but only if you are keeping up on regular maintenance and preventative measures.

Contact Affordable American Insurance today for more information on what snow damage your policy covers.

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