Does my home insurance cover snow damage?

Key Takeaways

• Most home insurance policies cover unexpected snow damage if it happens suddenly, such as a roof collapse or water leaks from ice dams.
• Damage caused by long-term wear or poor maintenance usually isn't covered under a standard home insurance policy, so keeping up with home care is key.
• Getting your home winter-ready is one of the best ways to prevent costly damage and home insurance claims.

If you're wondering whether your home insurance policy will protect you from the financial fallout of snow-related damage, you're not alone. We'll look at the types of snow damage typically covered under a traditional homeowners insurance policy, what exclusions might apply, and tips on how to prepare your home for winter weather.

Winter weather damage covered by standard home insurance

Winter weather can be tough on your home, but the good news is that many common snow-related issues are covered by standard homeowners insurance.

Here are five types of damage your policy may help pay for when the temperature drops and the snow begins to fall.

1. Heavy snow or ice damage. If a big snowstorm dumps enough weight on your roof to cause it to cave in—or damages your gutters or porch—your homeowners insurance usually steps in to help cover repairs.
2. Frozen pipes that burst. When snow and ice causes pipes freeze and burst, the water damage they cause is typically covered as long as you've done your due diligence by keeping the heat on and maintaining your home in the wintertime.
3. Sudden water leaks from appliances or systems. If your water heater, washing machine, or plumbing suddenly springs a leak and causes damage, your policy is likely to cover it. Just keep in mind that slow leaks or poor maintenance aren't usually included.
4. Damage from falling ice or tree limbs If snow and ice buildup causes a tree branch or even a chunk of ice to crash into your home, that's generally covered under the “falling objects” part of your policy.
5. Temporary living expenses If snow damage makes your home unsafe to live in, your insurance may help pay for hotel stays, meals, and other temporary costs while repairs are being done.

Winter weather damage typically excluded by home insurance

Not all winter weather damage is covered by your homeowners insurance. Knowing what's excluded can help you take preventive steps and explore additional coverage if needed.

Here are two common types of snow and ice damage that are often not included in standard policies.

1. Flooding from snowmelt. If melting snow causes water to seep into your home from the outside (such as through the foundation or basement), standard homeowners insurance won't cover the damage. To protect against this kind of flooding, you'll need a separate flood insurance policy, typically available through the National Flood Insurance Program (NFIP).
2. Maintenance-related damage. Home insurance is designed to cover sudden accidents, not wear and tear. If damage happens because you didn't shovel heavy snow off your roof or failed to properly insulate your pipes, your claim may be denied. Regular upkeep is key to keeping your coverage intact.

8 tips for preparing your home for winter snow and ice

Snow, ice, and freezing temperatures can cause serious damage to your home if you're not prepared. Here are eight smart and easy tips to get your home ready before winter hits.

1. Clear gutters and downspouts. Remove leaves and debris so melting snow can drain properly and avoid ice dams forming on your roof.
2. Check your roof. Look for missing shingles or weak spots that could give way under heavy snow. Consider hiring a pro if you're unsure.
3. Insulate pipes. Wrap exposed pipes in basements, attics, and crawl spaces to prevent them from freezing and bursting.
4. Seal drafts around windows and doors. Use weatherstripping or caulk to keep cold air out and warm air in. This will save energy and prevent frozen pipes.
5. Trim overhanging tree branches. Snow and ice can weigh down limbs, causing them to snap and damage your home or power lines.
6. Test your heating system. Make sure your furnace or heat pump is working efficiently before the cold weather sets in. Change filters and schedule regular maintenance checkups.
7. Protect outdoor faucets. Shut off and drain exterior water lines and cover spigots with insulated covers to prevent them from freezing. According to Family Handyman, sometimes the pipe behind your outdoor spigot and burst and spray hundreds of gallons of water inside your house.
8. Install a programmable thermostat. Maintain a consistent temperature even when you're away from home to help prevent frozen pipes.