Is winter storm damage covered by my homeowners insurance policy? If you already have an insurance claim and it's not going well, call The Shelley Group, Inc.

Is winter storm damage covered by my homeowners insurance policy: Coverage for winter storm damage under your homeowners insurance policy depends on the policy type and the nature of the damage incurred. Typical homeowners insurance policies offer protection against storm damage caused by winter conditions such as wind, snow, ice, freezing rain, and extreme temperatures. It's important to check your homeowners policy to determine which winter hazards are explicitly covered.

It's crucial to understand that typical homeowners insurance policies do not cover flood damage. Therefore, if your home experiences damage from winter-related flooding (such as a significant snow melt), you usually won't be covered unless you have an additional flood insurance policy.

Finally, if your home sustains damage while unattended during the winter, additional issues may arise. For example, certain homeowners insurance policies do not cover damages resulting from inadequate winterization of the home (like neglecting to shut off the water and drain the pipes) or if the home is left unoccupied for a prolonged duration (such as more than 30 days).

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