Does Homeowners Insurance Cover Damage from Snow and Ice?

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Snow on roof (Photo: @Jennrnann via Twenty20)
In the winter months, snow, sleet, and other falling debris can wreak havoc on your home and roof, and these types of damages can become quite costly without an insurance plan. Standard homeowners insurance policies keep you covered at a fair price for many types of emergencies, but does it cover damage from falling objects or the weight of snow and ice? Here’s what you need to know.

Does homeowners insurance cover falling objects?

Most standard homeowners insurance policies provide monetary reimbursement for damages caused by a specific set of named perils. However, HO-1 insurance plans (also called basic form), are the exception.
The term “falling object” is vague, so be sure to read your specific insurance policy to ensure that you are aware of how comprehensive your coverage is and the types of events it does not include.
###Does homeowners insurance cover all damages caused by snow and ice?
With the exclusion of HO-1 insurance plans, most homeowners insurance policies (HO-2 to HO-6) cover the cost of damages caused by the weight of ice, snow, and sleet on your home. This means that you can be reimbursed for the cost of damages made to your dwelling and personal belongings in the event your roof cracks, collapses, or begins to cave in from the weight of snow after a blizzard, but not the damages caused by the flooding that occurs after the snow melts.
Additionally, any accidental damage caused by personal negligence, such as keeping a window open and inviting the elements inside your home, will likely not be covered by your insurance provider. Be aware of the small nuances within the language of your insurance policy to ensure you understand your rights and limitations as a client.