Find out what your homeowners insurance can do for you this winter.
If you live in an area that gets a lot of ice and snow during the winter, you are probably curious to know what your homeowners insurance will cover. For instance, is snow and ice damage covered? What about snow removal? Here’s what you need to know about your insurance and winter weather conditions.
Snow and Ice Damage
Homeowners will be relieved to know that their policies include coverage for the damages caused directly from winter weather events. For instance, if your roof collapsed due to the weight of accumulated snow or if it sustained water damage from an ice dam, your homeowners insurance would cover these losses.
However, it’s important to understand that your insurer will not cover the damages caused by your negligence. For instance, if you knew that your home’s roof needed repairs back in summer and you did not see to these fixes, then the roof damage you sustain during winter will likely not be covered by your insurance.
Snow and Ice Removal
When snow and ice collect on your roof and in your yard, it is the homeowners responsibility to see to its removal. While your insurer might cover removal if the snow or ice has caused your home damage, they will not cover preventative removals. This means you’ll be shoveling your own snow this winter.
This is what your homeowners insurance will cover this winter. Do you have additional questions regarding your homeowners insurance? If so, contact the experts at Scavone Insurance in White Plains, New York. We are ready to get you the coverage that you need today.