The Effect of Winter Storms on Your Roof—and Your Insurance Coverage

Every winter, homeowners across the country brace for the possibility of damage from wind, ice, and snow. While some types of damage are obvious, like a fallen tree branch through a window, other types of damage may not be so apparent—like the slow and steady leaks that can occur when snow and ice build up on your roof. As a city with more than its fair share of winter weather, Barrie roofing companies are always prepared to help out. But what does that mean for your insurance? 

As a homeowner, it’s important to be aware of the potential damage that winter storms can cause to your home—and to know what your insurance policy covers. 

Wind Damage 

an ice damn being fixed by Ainger Roofing, a barrie roofing companies

One of the most common—and most destructive—types of winter storm damage is wind damage. High winds can tear shingles off your roof or break branches that then fall onto your home, damage your windows, or even your car. In severe cases, wind damage can even cause an entire tree to topple over onto your house. If you live in an area that’s prone to high winds during winter storms, it’s important to have your trees trimmed regularly to minimize the risk of them falling and causing extensive damage to your home. 

Most standard homeowners insurance policies will cover at least some wind damage caused by a winter storm. However, there are typically limits on how much will be covered, so it’s important to read your policy carefully or talk to your agent if you’re not sure what’s included. In some cases, you may need to purchase additional coverage or a separate windstorm insurance policy in order to be fully protected against wind damage caused by a winter storm. 

Snow and Ice Damage 

While it might not seem like it at first glance, snow and ice can actually cause a lot of damage to roofs—especially if there’s already underlying wear and tear present. When snow and ice accumulate on your roof it can put additional stress on shingles and other materials, which can lead to cracks or breaks. In addition, as the snow and ice melt (either from the heat inside your home or from direct sunlight), that melted water can seep into any cracks or breaks in your roofing materials and cause further damage or even leaks inside your home. 

Homeowners insurance typically does cover at least some snow and ice damage to roofs. However, as with wind damage, there are usually limits on how much will be covered—so again, it’s important that you review your policy carefully or talk to your agent before assuming anything. In addition, most homeowners insurance policies have what’s known as a “deductible,” which is the amount you’ll have to pay out of pocket before coverage kicks in. So if the cost of repairs is less than your deductible, you’ll likely have to pay for those repairs yourself. 

How Barrie Roofing Companies Can Help

Whether your insurance covers it or not, you’ll need a pro to do the repairs. Some roofing companies will have special discounts for winter repairs, but all of them are prepared to help. With specialized equipment and professional experience, one of the many Barrie roofing companies will be able to repair any damages to keep you safe for the rest of the winter. 

Winter storms can cause extensive damage to homes—including roofs. The good news is that most homeowners insurance policies will cover at least some of that damage. But it’s important to understand exactly what is (and isn’t) covered by your particular policy in order to avoid any unpleasant surprises down the road. If you’re not sure what exactly is included in your insurance policy when it comes to winter storm damage, now is the time to find out—before the next big storm hits! Call Ainger Roofing today to learn more about our winter repair services, and what to watch out for.