Does Homeowners Insurance Cover Snow Damage? 

Winter weather can be unpredictable, and even in a state like Alabama, snow can occasionally cause significant damage to homes. Homeowners insurance typically offers financial coverage for various types of snow-related damage, but it’s essential to understand the specifics of your policy.

Snow Damage Insurance for Homeowners

Homeowners insurance can offer coverage for the following snow-related damage:

• Structural damage—Homeowners insurance generally covers structural damage caused by the weight of snow or ice. This may include roof collapse, which can occur when heavy snow accumulates. If your roof caves in due to the weight of snow, your policy might cover the repairs; however, it’s important to take proactive measures to prevent snow accumulation to avoid a claim denial due to perceived negligence.

• Personal property—Damage to personal belongings inside your home due to snow or ice is usually covered, provided the damage wasn’t caused by negligence. For example, if a snowstorm breaks a window and damages furniture or electronics, your policy may help cover the cost of repairs or replacements.

• Falling objects—If snow or ice causes a tree to fall on your home, resulting in damage, your homeowners insurance could cover the repairs. This also extends to debris removal, which can be necessary after a significant storm.

• Ice dams—When snow on the roof melts and refreezes at the edges, it can create ice dams. These ice dams cause water to back up under the shingles, potentially leading to leaks and water damage inside your home. Most homeowners insurance policies cover the damage caused by ice dams, including necessary repairs to the roof and interior walls.

It’s important to note that not all snow-related damage may be covered. For instance, water damage from melting snow that seeps into the ground and floods your basement might be considered flood damage, which is typically not covered by standard homeowners insurance.

Learn More

Call Servi-Express to help ensure you have adequate coverage and review your policy details. We can help clarify what is and isn’t covered and suggest additional coverage options if necessary. Preparing your home for winter weather, even in Alabama, can help mitigate potential damage and ensure you’re protected when unexpected snowstorms occur.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.