{"id":9995,"date":"2014-11-21T06:37:41","date_gmt":"2014-11-21T06:37:41","guid":{"rendered":"http:\/\/localhost\/propertyinsurancecoveragelaw\/2014\/11\/21\/snowmageddon-2014-are-you-covered\/"},"modified":"2014-11-21T06:37:41","modified_gmt":"2014-11-21T06:37:41","slug":"snowmageddon-2014-are-you-covered","status":"publish","type":"post","link":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/snowmageddon-2014-are-you-covered\/","title":{"rendered":"Snowmageddon 2014: Are You Covered?"},"content":{"rendered":"<p>Snowmageddon buried western New York this week with the lake-effect snowfall. Winter storms are the third-largest cause of catastrophic losses in the United States (after hurricanes and tornadoes). The good news for homeowners is that in most cases their claim for snow-related damages will be covered under the standard homeowners insurance policy.<\/p>\n<p><!--more--><\/p>\n<p>Generally, the following snow-induced damages are covered under a standard homeowners insurance policy:<\/p>\n<ul>\n<li><strong>Wind-related Damages<\/strong>: Wind-driven snow or freezing rain that gets into the home because the home was damaged by wind is covered.<\/li>\n<\/ul>\n<ul>\n<li><strong>Fallen Tree Limbs<\/strong>: Tree limbs that fall on a house or other insured structures is covered for the damage the tree causes to the house and the cost to remove the tree (generally up to $500).<\/li>\n<\/ul>\n<ul>\n<li><strong>Weight of Snow or Ice<\/strong>: Damage to the house or contents caused by the weight of snow or ice that creates a collapse is covered.<\/li>\n<\/ul>\n<ul>\n<li><strong>Frozen Pipes<\/strong>: Burst pipes is generally covered provided that the insured kept the house warm and properly maintained the pipes.<\/li>\n<\/ul>\n<ul>\n<li><strong>Additional Living Expenses<\/strong>: Standard homeowners policies include additional living expenses (ALE) for insureds when a home is severely damaged by an insured peril.<\/li>\n<\/ul>\n<p>Additionally, melting snow that seeps into a home from the ground up would be covered by a flood insurance policy through the National Flood Insurance Program.<\/p>\n<p>The coverages discussed above are typical of a standard homeowners policy and are not guaranteed to exist in all homeowners insurance policies. It is essential for insureds to read their insurance policy to know what damages are covered.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Snowmageddon buried western New York this week with the lake-effect snowfall. Winter storms are the third-largest cause of catastrophic losses in the United States (after hurricanes and tornadoes). The good news for homeowners is that in most cases their claim for snow-related damages will be covered under the standard homeowners insurance policy.<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[],"tags":[49,4],"class_list":["post-9995","post","type-post","status-publish","format-standard","hentry","tag-home-owners-insurance","tag-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Snowmageddon 2014: Are You Covered? | Property Insurance Coverage Law Blog<\/title>\n<meta name=\"description\" content=\"November 21, 2014 Snowmageddon buried western New York this week with the lake-effect snowfall. Winter storms are the third-largest cause of catastrophic losses in the\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/snowmageddon-2014-are-you-covered\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Snowmageddon 2014: Are You Covered? | Property Insurance Coverage Law Blog\" \/>\n<meta property=\"og:description\" content=\"November 21, 2014 Snowmageddon buried western New York this week with the lake-effect snowfall. Winter storms are the third-largest cause of catastrophic losses in the\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/snowmageddon-2014-are-you-covered\/\" \/>\n<meta property=\"og:site_name\" content=\"Property Insurance Coverage Law Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/MerlinLawGroup\/\" \/>\n<meta property=\"article:published_time\" content=\"2014-11-21T06:37:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2023\/12\/share-merlin-law-group.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ashley Harris\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@MerlinLawGroup\" \/>\n<meta name=\"twitter:site\" content=\"@MerlinLawGroup\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ashley Harris\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/snowmageddon-2014-are-you-covered\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/snowmageddon-2014-are-you-covered\/\"},\"author\":{\"name\":\"Ashley Harris\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/person\/a95c7ed85c7e3e7e353e944e9ded4aea\"},\"headline\":\"Snowmageddon 2014: Are You Covered?\",\"datePublished\":\"2014-11-21T06:37:41+00:00\",\"dateModified\":\"2014-11-21T06:37:41+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/snowmageddon-2014-are-you-covered\/\"},\"wordCount\":257,\"commentCount\":1,\"publisher\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#organization\"},\"keywords\":[\"Homeowner's Insurance\",\"Insurance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/snowmageddon-2014-are-you-covered\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/snowmageddon-2014-are-you-covered\/\",\"url\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/snowmageddon-2014-are-you-covered\/\",\"name\":\"Snowmageddon 2014: Are You Covered? | Property Insurance Coverage Law Blog\",\"isPartOf\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#website\"},\"datePublished\":\"2014-11-21T06:37:41+00:00\",\"dateModified\":\"2014-11-21T06:37:41+00:00\",\"description\":\"November 21, 2014 Snowmageddon buried western New York this week with the lake-effect snowfall. 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