Weight of ice and snow insurance

Name: Square One Insurance Services
Brand: Square One Insurance
Rating: 4.7 (32,351 reviews)

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:

Keep your roof in good repair. Do some maintenance, particularly in the fall. Clean the gutters. Water can get trapped in clogged gutters and can form ice dams in the winter. This can prevent any melting snow from flowing away, and may cause it to flow into your house instead.
Hire a professional to remove snow piling up on your roof. Snowy roofs are slippery, and you don’t want to end up with an injury from falling off the roof.
Make sure your attic is properly insulated to prevent heat from leaking out through the roof. This will not only keep heating costs down, but it will prevent any accumulated snow from melting too quickly, possibly causing water to enter your home. Or from melting and refreezing, adding additional weight, and causing even more accumulation.

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.

What our customers say

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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.

Satisfied with claim.

I was very satisfied with the outcome of my claim and the support received throughout. My apartment flooded when a radiator cracked. We had to leave for 9 days and many personal belongings were destroyed. This was the first time I'd ever needed to make any type of insurance claim, and I expected the worst. However, Lisa was very helpful, arranging for reimbursement for accommodations right away and helped me to recoup on the content losses from the flood. I would recommend using Square One for renters insurance.

Instant update to my home insurance online.

I had to update my home insurance as we added a garage and an all-season gazebo to our house. Instead of being on the phone with an agent I could do the whole process through my online account. It took me not even 10 minutes and was so easy! I have referred Square One already several times because of their fair pricing and great online presence. I am just glad I have found them.

Awesome customer service!

First time purchasing tenant insurance and wasn’t sure about some specific items being covered. Eran Azran, thank you! He was helpful and knowledgeable and made the entire process uncomplicated and easy to understand. Would that all customers service reps were as nice, generous and comfortable to chat with. Thanks Eran! Hope the boss is checking in here.

Excellent cost-effective quotes, services and support.

I just purchased a primary home and rental property coverage. The interaction was so smooth and professional. The price is very competitive with professionalism. It was a pleasure doing business with Square One. Very compassionate and smooth interaction. I was guided throughout the process. Many thanks.

Easy.

Easiest tenant insurance I’ve ever gotten! Usually I’m on the phone for 30 minutes and the price doesn’t match the quote but this was quick and easy!

Stellar customer service provided by Fatou Pouye.

Brilliant communication and information provision by Fatou, and in addition she presented with a delightful personality. Many, many thanks Fatou, greatly appreciated!

Excellent service!

I am beyond pleased with the service Square One provided me. The coverage I needed for home insurance. Zeb Doherty-Wayne was a pleasure to deal with. He really took the time and listen to my wants as far as coverage for home insurance. He was very knowledgeable and knew how to help me based on what I needed. I looked around and called a few places and no one could even come close in price. They were by far the best price. I would definitely recommend them to all my friends and family. Thank you!

Really easy!

It was fast and easy to supply the information and to select the coverages! Great experience!

Awesome insurance provider.

I’ve insured two properties now with Square One Insurance. Their rates are always cheaper than the other companies, and I’m always able to contact a representative quickly without being on hold for hours. My recent investment property was insured in literally 10 minutes, with the amazing assistance from insurance agent C. Kathy Vallance. She was so sweet, personable and very knowledgeable when it came to everything related to short-term rental insurance and condo fees, etc. Thanks Kathy and Square One for making insurance needs so easy and stress-free.

Square One is top tier!

Fabio Baida helped me at Square One. Figuring out coverage can be a bit daunting for newbies like me and making sure we interpret strata docs correctly. Square One has a super slick interface that's self-serve and has a great UI, but sometimes you just need someone to answer a couple questions to connect the dots. So I emailed Square One and Fabio followed up and we hopped on the phone and quickly figured it out. Really happy! Great easy-to-use modern interface, best