Winter Weather Insurance: What’s Covered and What’s Not

Winter weather causes about $26,000 in damages to homes each year. Here are some examples of what your homeowners insurance will cover if you have winter weather damage:

  • Wind storm damage like peeled roof shingles
  • Structure damage from fallen trees (even if it’s your neighbor’s tree that falls onto your home or property)
  • Water damage from burst pipes (as long as you kept your home at an adequate interior temperature)
  • Damage from lightning, power outages and electrical surges

Examples of what is not usually covered:

  • Flooding other than from burst pipes
  • Mudslide damage
  • Damage from melting snow
  • Ice quake – This occurs when water under the ground freezes, causing the earth to expand and shake the ground, thereby damaging homes and property.
  • Ice surge – This occurs when sheets of ice from nearby bodies of water push onto shore, damaging homes and property. Damage from an ice surge would be covered through flood insurance.

If you aren’t sure what your homeowners policy covers, give E. R. Munro and Company a call at 1-877-376-8676, ext. 136 and speak with Nadine.