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homeowners insurance

Is Your Home Protected Against Winter Snow?

Living in a winter wonderland can be a magical experience, but snow can damage your home during and after storms. If you’re curious about how snow damage & homeowners insurance are related, this short guide is for you.

Potential Damages From Snow

Whether snow accumulates on your roof, seeps into your walls or damages your power system, it is generally covered under your homeowner’s insurance policy. Some of the winter damages that are associated with snowstorms that your policy helps with include the following:

  • Fallen tree branches
  • Frozen pipes
  • Leaks from melted snow
  • Strong winds
  • Ice dams

Getting the Most Out of Your Policy

Many people assume that damages resulting from snow or other winter weather occurrences are covered under home insurance. However, if damages could have been prevented, your homeowner’s insurance policy will not cover the damage, according to information provided by Thayer Innes Insurance. For example, performing the following maintenance throughout the year means insurance companies are more likely to provide compensation for damages:

  • Keeping the roof in good condition
  • Trimming trees
  • Shoveling snow
  • Repairing old pipes

Maintaining Your Home Is Key

As the colder months approach, it’s important for you to be aware of any conditions regarding snow damage & homeowners insurance according to your policy guidelines. Following the tips above regarding maintaining your home can help you have even more protection when it comes to snowstorms this winter.