No matter how much you may prepare your home for the winter months, there is always the chance that when a large snow or ice storm comes through, there may be some damage to parts of your home. So, when this happens, how do you know exactly what is covered? The truth is, insurance coverage depends on your insurance company and on the damage itself. Therefore, it is hard to tell without properly examining the situation.
What can arise from a snow or ice storm? There are a lot of different things that can go wrong, including trees falling, basements flooding and even roofs collapsing! The more build-up of snow on trees or your roof, the easier it will be for there to be a collapsing. Over time, this may turn into flooding. In addition, ice that is not properly sanded can result in a slip-and-fall, and an excessive amount of ice can cause pipes to freeze and, in time, potentially burst. Snow storms also tend to result in power outages, which can lead to other damages or injuries.
In situations like these, an insurance company will investigate and immediately check for homeowner negligence. In other words, could any of the damages have been prevented if you kept up with certain parts of your home? Insurance companies will look into whether or not your pipes were heated or too full, if trees near your home were wobbly and unstable prior to the storm, and if your roof was up to date. That is why it is vital to ensure that you are doing your best to keep your home up-to-date and in good shape.
For flooding specifically, in most cases you will need to get flood insurance, as it is not usually covered under your overall homeowner insurance. When damages hit from a storm, be sure to make a claim with your insurance company as soon as possible so they are able to assess the damage and what can be covered.