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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. |
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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:
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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. |
Getting the best protection doesn't have to break the bank. See how affordable personalized home insurance can be. Get an online quote in 5 minutes.
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.
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.
I would like to thank our Claims Adjuster, Brad Rotto, for all the hard work he has done while working on our claim. Our unit flooded, and there was a lot of damage done by the flood. However, Brad was very helpful, replying immediately to any question we had (and we had many!), arranging for reimbursements right away and making the entire process uncomplicated and easy to understand. It has been a real pleasure working with Brad. This was one of the rare instances when the reality exceeded the expectations. Thank you, Brad, for the impeccable service and the support received throughout!
I have bought several home insurance policies over the years. Square One was the last and has been the best. I got my house insurance with them for a few years, and now for an apartment that I am buying. You do not need to do any shopping around, and you do not go wrong if you come here directly for a great customer service experience, great coverages, at low price.
Square One insurance is so easy! You can go back and change whatever you like, whenever you like. Very easy to read, no mumbo jumbo that you can’t understand, it’s great, I love it! Thank you Square One, it’s good to know you have my back.
I decided to switch to Square One for our home insurance needs. I love how I can modify my coverage online to see the effect it will have on my premium prior to making the changes. Everything seems so out in the open and the website and quote pages are very user-friendly. Joyce F. was excellent in helping me set up our new policy! She was friendly, knowledgeable, helpful and patient in dealing with all my questions. She got back to me every time she said she would.
Needed to find a new insurance provider as the one I'd been using for years raised premiums by a huge amount for absolutely no reason and with no explanation. So I jumped online and found Square One. The quote process was quick, easy and clear. When I had a question I asked for an agent to call me and they were very prompt in meeting the determined callback time. The chatbot is helpful as well. My quote was significantly less expensive and I have better coverage. I'm already telling all my friends about Square One.
I know only what I've had to learn about home insurance and it is always a daunting process. I felt motivated at 12:55 am to finally go to Google and fight through a quote, and at 1:08 am I got the confirmation email of my new policy. I feel more confident in than any time I've tried to keep up with someone on the phone. The expert opinion line was so appreciated, and it was remarkably easy to customize a policy that will let me sleep easier, starting tonight!
After obtaining quotes from 5+ insurance providers I decided to go with Square One for a simple reason: they offered the coverage I wanted (and then some) for the best price out there. I needed to set up a call to finalize my policy and Carla Campbell was prompt, knowledgeable and courteous. Nobody should ever be excited about insurance, but right now I am.
Square One Insurance: Where service, pricing and trust meet. Excellent customer support every time, no waiting. The best price I have ever gotten for home insurance. Hunter, who helped me today, was terrific. It is nice to get off the phone and it has all gone perfectly. I'm so glad I made the switch to a company that knows what it is doing! Square One is that company. Ten stars!
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