If Snow Falls Off My Roof And On My Deck And It Collapses Is It Covered?

1. 

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   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   Yes, generaly speaking that would be covered subject to your property deductible.  My concern about the question, however, is that it would take a huge amount of snow or a deck that needs attention for such a thing to happen.  If your deck is in disrepair and there is evidence of samage that has occured over an extended period of time, it might be possible that such a claim would be denied.  It is always best to check your particular situation with your insurance professional and with this winter upon us, now would be a great time to do that.

   Answered on December 16, 2013

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   Jack Heller

   Owner, Insurance Browser,

   So, it is a bit scary that you are asking this question. Snow removal off a roof is some times an issue but on the deck itself you should be able to shovel it off. What concerns me is that perhaps your deck was a DIY project and you missed one key construction concept. The deck should not be a free standing structure and should be securely attached to the house. If you feel that it is not secure to the house, then that is a more serious issue you need address before friends and family take a risk of falling and injuring themselves severely.

   Answered on December 17, 2013

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