Does Home Insurance Cover Snow Damage? What Your Insurance Covers

Snow damage can be a serious problem for homeowners, especially in areas where winter storms are frequent.

Snow can cause various types of damage to your home, such as roof collapse, ice dams, water leaks and mold growth.

Depending on the extent of the damage, you may have to pay a lot of money for repairs or replacements.

But does your home insurance policy cover snow damage?

damaged roof by the snow
Damaged roof |BANKRATE

The answer is not always straightforward, as different policies may have different terms and conditions.

In this article, we will explain how home insurance typically covers snow damage.

How Home Insurance Typically Covers Snow Damage

Most home insurance policies will cover snow damage to the structure of your home, as long as the damage is sudden and accidental.

This means that the damage must be caused by an unexpected event that is beyond your control, such as a heavy snowfall.

For example, if your roof collapses due to the weight of accumulated snow, your home insurance policy will likely cover the cost of repairing or replacing your roof, as well as any damage to your furniture or appliances inside your home.

However, there are some limitations and exclusions to this coverage.

For instance, your home insurance policy may have a specific limit on how much it will pay for snow damage.

You will also have to pay a deductible before your home insurance policy kicks in.

Additionally, your home insurance policy may not cover snow damage that occurs due to negligence.

For example, if you fail to clear snow from your roof or gutters regularly, or if you keep your home at a very low temperature during winter, you may be held responsible for any resulting damage and have to pay for it yourself.

What Types of Snow Damage Are Excluded

While home insurance policies generally cover snow damage that is sudden and accidental, they do not cover snow damage that is gradual or predictable.

Homeowners Insurance Cover Snow Damage
Homeowners Insurance Cover Snow Damage |QUOTEME

Some examples of snow damage that are excluded from home insurance coverage are:

  • Flood damage

If melting snow causes water to accumulate around your home’s foundation or seep into your basement, this is considered flood damage, which is not covered by standard home insurance policies.

Flood damage can cause structural problems, electrical hazards, and health issues due to mold or bacteria growth.

To protect yourself from flood damage, you need to purchase a separate flood insurance policy from the National Flood Insurance Program (NFIP) or a private insurer.

  • Sewer backup

If melting snow causes water to overflow from the sewer system and back up into your home through drains or toilets, this is considered sewer backup, which is also not covered by standard home insurance policies.

Sewer backup can cause property damage, health risks, and unpleasant odors.

  • Frozen pipes

If water freezes inside your pipes and causes them to burst or crack, this is considered frozen pipe damage, which may or may not be covered by your home insurance policy.

However, some policies will exclude frozen pipe damage altogether, especially if you leave your home unoccupied for an extended period of time without shutting off the water supply.

To protect yourself from frozen pipe damage, you need to check your policy carefully and follow the guidelines provided by your insurer.

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How to Prevent Snow Damage

The best way to avoid snow damage and the hassle of filing a claim is to prevent it from happening in the first place.

There are several steps you can take to prepare your home for winter weather and reduce the risk of snow damage:

  • Inspect and maintain your roof:

Your roof is one of the most vulnerable parts of your home when it comes to snow damage.

You should inspect your roof regularly for any signs of wear and tear, such as missing or damaged shingles, cracks.

You should also clean your gutters and downspouts before winter arrives and remove any debris that may clog them.

If you notice any problems with your roof, you should repair them as soon as possible or hire a professional to do it for you.

  • Remove snow from your roof

If snow accumulates on your roof, it can cause a lot of pressure and weight that may lead to roof collapse or ice dams.

You should remove snow from your roof after every snowfall or at least once a week, using a roof rake or a snow blower.

However, you should be careful not to damage your roof or hurt yourself while removing snow from your roof.

If you are not comfortable doing it yourself, you should hire a professional to do it for you.

  • Insulate and ventilate your attic

Your attic plays an important role in preventing ice dams from forming on your roof.

You should insulate your attic properly to prevent heat from escaping from your living areas and melting the snow on your roof.

Ventilate your attic adequately to allow cold air to circulate and prevent moisture from building up.

You can use fans, vents, or ridge caps to improve the ventilation in your attic.

  • Protect your pipes

Your pipes are also susceptible to freezing and bursting during winter, especially if they are located in unheated areas of your home, such as basements, crawl spaces, or garages.

You should protect your pipes by wrapping them with insulation materials, such as foam or fiberglass.

You should also let your faucets drip slightly on the coldest days, which will keep water flowing and prevent it from freezing.

You should also shut off the water supply to any outdoor faucets or sprinklers and drain them before winter arrives.

  • Keep your home warm

One of the simplest ways to prevent snow damage is to keep your home warm during winter.

You should set your thermostat to at least 55 degrees Fahrenheit at all times, even if you are away from home or on vacation.

Seal any gaps or cracks around your doors, windows, or walls that may let cold air in or warm air out.

You should also check your heating system regularly and replace the filters as needed.

If you have a fireplace or a wood stove, you should clean the chimney and flue before using them.


Snow damage can be a costly and stressful problem, but it can be avoided by taking some preventive measures.

You should review your home insurance policy carefully and understand what types of snow damage are covered.

You should also follow the tips above to prepare your home for winter weather and reduce the risk of snow damage.

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