Compensation - Snow and ice - Claiming - Business - Business |


Snow and ice

Your insurance protects you against damage caused by snow and freezing rain, but not in all cases. It all depends on the coverage you chose when you purchased your home insurance policy.

Coverage provided for damage caused by snow and freezing rain.

Examples of coverage:

  • A tree branch weighed down by snow or ice falls on the porch of your building and damages the railing.
  • Snow or ice accumulation causes part of your roof to collapse.
    Covered if you have Comprehensive coverage
  • The snow and ice accumulated on your roof starts to melt and the water seeps onto your ceiling.
    Not covered, if you added Water Damage – Above Ground Water Coverage.
  • Your cedar hedge collapses under the weight of the snow after the last snow storm.
    Not covered

However, for covered damage, your insurer will indemnify according to your policy coverage amount. He’ll also factor in the maximum coverage amount (limit) when reimbursing certain categories of items.

Property for which coverage is limited under most insurance policies, regardless of the type of loss covered.

Animals $1,000 to $2,000
Boats $1,000 to $2,000
Gold or silver bars, bank notes and cash $200
Software $1,000 to $2,000
Lawn tractors, equipment trailers $5,000
Securities $1,000 to $2,000
Personal property used for professional activities $2,000

Replacing destroyed or damaged items

First, your insurer will have items cleaned if they can be cleaned and repair damaged items that can be repaired.

If items must be replaced, your insurer will replace them with new items of the same type and quality if you chose this settlement option when you purchased your policy. If not, your insurer will indemnify you based on their actual cash value.

Your insurer’s obligation

Your insurer is required to return your belongings to the state they were in prior to the loss.

He will only replace the damaged table, not the complete set.

Your insurer also has to pay you for the damage within 60 days of receiving your claim or any information or supporting documents it may request.

Repairing your building

And if your building is damaged, a plan will have to be drawn up to evaluate the cost of rebuilding the damaged premises. Your insurer will have the damaged or destroyed portions repaired or rebuilt. If you opt not to have these repairs done, your insurer will reimburse you an amount of money based on the actual cash value.

Choosing a supplier or contractor

You can use a supplier or contractor of your choice to repair or replace an item or rebuild the damaged premises. However, discuss it first with your insurer so that you can agree on the indemnity amounts.


And remember: you’ll have to deduct the amount of your policy deductible from the indemnity amount you receive from your insurer for each claim you make.