Winter is here. Depending on where you live in that can mean wind and rain or wind and snow. And often, lots of it. That light fluffy snow can become a very weighty problem when it piles up on your roof. That’s why it’s important your home insurance policy covers damage from the weight of ice and snow.
There are many steps you can take to prevent weight of ice and snow damage. That said, the only way to financially protect your family and home against weight of ice and snow damage is to buy home insurance. In North America, most home insurance providers give you the option of adding ice and snow damage insurance to your policy. At Square One Insurance Services, we automatically include weight of ice and snow insurance in all our policies. No paying extra. To learn more about weight of ice and snow insurance, review the information provided below.
Does home insurance cover damage caused by the weight of ice and snow?
Your roof can collapse if ice and snow build up to a dangerous weight. This type of loss is generally covered by your home insurance. However, if your roof is nearing its life expectancy, or is in poor repair, your settlement could be limited. Often home insurance providers will limit coverage to the depreciated value of the roof, rather than the replacement cost.
The resultant damage to the inside of your home will also be covered by most home insurance policies.
Protection against damage caused by the weight of ice and snow is included in all home insurance policies offered by Square One. No paying extra.
And if you have to move out while your home is being repaired, your additional living expense insurance will come into play. This is sometimes included in policies, and other times can be added as an additional rider, allowing you to choose the amount of coverage you need.
At Square One, you get to choose how much additional living expense coverage you need. That means you only pay for what you need.
What can I do to prevent damage occurring?
There are several things you can do to prevent damage from the weight of ice and snow. Here are the top 3:
What is the deductible for damage caused by the weight of ice and snow?
Any damage caused by the weight of ice and snow should be subject to your base policy deductible, which usually ranges from $500 to $5,000. This is another good reason to make sure your roof is well maintained, and kept clear of snow. Selecting a high deductible is a great way to keep your premiums low, but it’s also a good incentive to prevent a loss from happening.
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Don’t just take our word for it. Here are some of the reviews that contribute to our average rating of 4.7 stars out of 5. Want to read more? Visit our reviews page.
I found Square One online at a time that I was shopping around for auto insurance to replace my existing policy. I applied online and requested for a quote and the next day I received a call from Kathy Vallance and guess what? I ended up purchasing two policies — auto and home together at an affordable price. Kathy honoured all promises of calling back all the way till close. Kathy is a true professional in her field and in my opinion an honest person too. I take this opportunity to urge all and sundry to go and purchase auto and home insurance with Square One.
Who loves dealing with insurance? Nobody, that’s who, but it is necessary. Square One makes the process simple and easy to understand and complete. Even when I had some additional details that made my policy non-typical, the agent I dealt with communicated clearly and was very pleasant. They make a dry topic easy to deal with. Will for sure recommend and continue to use!
I was extremely happy with the service provided by Brett Vancise. He was so versed with his work and guided me through the entire process. He was calm and explained to me every detail concerning the policies. I ended up saving a great deal as compare to my previous insurance provider. I have so far referred several of my friends to this company.
My landlord suggested your company to me as a new tenant because of its efficiency and accessibility, and let me tell you it was as easy as making microwaved popcorn, literally… Thank you so much Square One, it’s a good feeling to know that your home and belongings have a professional protection plan in place.
Hasti was one of the support agents who supported me patiently to complete the policy order. Also, the online form and the T&C of the policies are clearly understandable! I have total of 4 titled owners of the property that it allows the info to be input to the system individually (No kidding! Other insurance systems don\'t allow to do this... This online app is absolutely user-friendly! The cost of the policy is not bad comparing with the competitors. I would highly recommend Square One to anyone who is shopping for better services and pricing!
I recently purchased an insurance policy from Square One. We were so pleased with the ease of application but also how thorough they are in the questionnaire in regards to our property. Square One makes it possible to have the coverage you need with a price that is affordable.
Very friendly online portal to select and purchase my new tenant insurance policy with Square One. A friend referred me, based on her total satisfaction to date. We both have received our promotional gifts (Amazon gift card for me, and the $25 account credit for her!). The coverage is excellent for my needs, at very good cost (good value for money). Telephone inquiry about one concern was handled promptly, courteously and satisfactorily. Thank you for the good service and product. I feel to be in good hands with Square One.
I am very pleased to be able to secure a tenant policy with less hustle. Everything done online without the involvement of any agent as I don't have time to speak on the phone. All the forms filled up are very comprehensive and easy to understand. One of the cheap premiums on the market as well. Great service! Good job.
Square One is one of the only providers who would cover our in-home pottery studio. They were thorough and requested photos but they covered us. It’s been very easy to update our coverage as the business grows and we add more services and assets, and sales locations. I love being able to do these changes online and have easy access to check my policy. The service has been great so far.
Getting tenant insurance has never been this personalized. I enjoyed that you could truly cater to what kind of home you are living in. With a click of a button, the value of your insurance would change so you could see the quote change as you figured out what works best for you. Very intuitive and user-friendly.