Does Homeowners Insurance Cover Roof Damage From Snow?

  1. 575 POINTS
    Mathew Erickson
    Owner/Agent, Erickson Insurance Agency - Farmers Insurance, Canton, OH
    In most case, yes, your homeowners insurance would cover roof damage from the snow.  While it is possible that you have specific exceptions in your homeowners policy that I am not aware of, generally speaking, roof damage is covered by your policy.  I would recommend you contact your insurance agent and cover the information with him/her BEFORE filing a claim, though.  Depending on your homeowners insurance deductible, it may be a better option to have the repairs done yourself rather than having a claim on your insurance record.
    Answered on March 24, 2014
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