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Does home insurance cover a roof collapse from the snow?
I live in Portland where it rarely snows, but last year we had a huge snowstorm. While my roof is in decent condition, I’m worried it might collapse under the weight of snow. Does home insurance cover a roof collapse from the snow?
Talullah Blanco · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear that you’re worried about your roof if there is another snowstorm in your area! Luckily, your standard home insurance covers roof collapse from the snow unless there are prior damages or it is specifically excluded from your policy.
Your home insurance policy may also cover other snowstorm-related weather damage, like:
- Wind and hail damage from a blizzard
- Water damage from a roof leak caused by a snowstorm
- Frozen or busted pipes, so long as they were properly maintained before the damage
Snowstorms are almost always a [covered peril] (
https://getjerry.com/advice/what-are-the-16-named-perils-in-homeowners-insurance-by-liliana-pina
) in your standard home insurance policy. But it’s important to understand what is and isn’t covered by your specific home insurance policy.Finding the right home insurance is crucial for safety and financial security.
Jerry
can help you find the right home insurance and even bundle it with your car insurance policy
to save you money.Jerry is the easiest and most effective way to find an affordable home and a car insurance policy that is customized for you. After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to. They even help cancel your old policy. So why do all that extra work when Jerry can do it better?
MORE: [How to choose the right kind of home insurance for you] (
https://getjerry.com/advice/how-to-choose-the-best-type-of-home-insurance-for-you-by-cheryl-knight
)View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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