Is Water Damage From Melting Snow Covered By Homeowners Insurance?

| October 28, 2016
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The wonderful snowfall you may be currently enjoying can become very dangerous for your property, especially when it’s going to start melting. You may have a false sense of safety, thinking that your homeowners insurance policy can cover you, but it doesn’t. In fact, such hazards aren’t included in a standard policy.

Winter Weather and Homeowner’s Policies

The extreme temperatures of the cold season can have a very negative impact on your property. Even though some of the damage to your home may be covered by your homeowners insurance policy, the coverage is limited to the damages caused by the initial storm, including snow, freezing rain, ice, and wind. So if your home is damaged due to heavy snow, you’re covered, but you are not covered by damages caused by the melting snow.

A Completely Different Problem

The melting snow can flood your basement, cause roof leaks, and seep into the foundation. It’s very important to bear in mind that these problems aren’t covered by your standard homeowners insurance policy. In fact, the kinds of damages that the melting snow causes are regarded as external water condition. What this means is that if you want to be covered, then you need to get another type of insurance policy and that is flood insurance.

Get It Covered

What’s great about flood insurance is that after you get it, you’ll be covered for almost any kind of water related issue (that comes outside your house), regardless if we’re talking about overrun rivers or melting snow. It’s important though to keep in mind that such policies are also limited when it comes to water damage. For instance, a standard flood insurance policy will not cover the contents of your basement. It’s true that they do cover your home’s structure, but items such as personal possessions or appliances are not covered.

Minimizing the Damage

There is no single insurance policy that is going to cover all the damages that your home may suffer as a result of the melting snow, so that is why you should do everything you can to reduce the damage yourself. For one, you could consider checking the roof before the first snowfall and don’t forget about cleaning the gutters as well. After the first snow, you should get your shovel and start shoveling the snow away from the foundation of your home and from your property itself. By doing so, you’ll effectively prevent the melting snow from damaging your foundation.

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