Snow storm damage? III has the scoop


clearing snow

After you’re done digging out from the snow today, are you safe in putting the shovels and  scrapers away yet? Probably not – New England weather is full of surprises. Yesterday’s storm was billed as late in the season, but many New Englanders recall the infamous 1997 April Fool’s Day Blizzard, which deposited 25.4″ at Boston’s Logan Airport. And in 1977, on May 10, Worcester accumulated almost 13″ of snow, while Providence saw about 7″. And then there is the historic 1816, dubbed the year without summer, that recorded snow in June.

In terms of snow totals overall, the 2014-2015 snow season is the record breaker, with 110.6 inches in Boston; Lowell and Worcester both came in at about 120 inches for the season.

While yesterday’s storm proved less intense in some areas than predicted, there were hours of heavy, damaging wind and the coast was battered. Many communities saw power outages, and some people are coping with storm related property damage today.

Claire Wilkinson of the Insurance Information Institute’s blog has a handy run-down: Winter Storm Damage? Insurers Have You Covered, discussing damages that are typically covered by auto policies and homeowners policies. The good news is that typical homeowners policies cover most home-related storm damage with a few exceptions.

One exception is flooding, which would include melting snow seeping into the cellar. Flooding is not typically covered by Homeowners, you need a specific flood coverage, a separate policy. See our prior post: Does homeowners insurance cover flooding?

While flooding from a burst pipes or ice dams would generally be covered, Wilkinson notes that in the event of burst pipes, “there is generally a requirement that the homeowner has taken reasonable steps to prevent these losses by keeping the house warm and properly maintaining the pipes and drains.”

If you do need to file a homeowners claim for storm damage, here’s some advice: Putting in a homeowners claim? … Talk your agent first!

And also from the Insurance Information Institute, here is a brief overview of the steps for filing a home insurance claim.