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Snow roof coverage.
Insurance may help cover the cost of replacing or repairing a roof that is damaged or destroyed by a collapse.
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In colder regions a good practice is to cover the first 3 feet 36 inches or 0 91 m of roof over heated space with ice and water protector.
All overhangs should also be covered.
And in the case of roof collapse due to snow and ice insurers look at several variables before deciding if and how much to pay.
Of course homeowners are expected to take steps to keep snow and ice from accumulating on their roofs but insurance companies understand that during long periods of ice snow and frigid temperatures there is not a lot that most people can do.
Typical homeowners insurance covers damage caused by severe winter storms and blizzards including roof collapses due to snow and ice.
But not all coverage is the same.
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Coverage limits and terms will apply so be sure to check your policy to learn what.
The minimum is typically 2 feet 24 inches or 0 60 m above the vertical projection of the inside of the exterior wall.