Is Damage Caused by Melted Snow Covered by My Homeowners Insurance?

Snow has started early this year here in Niles, Illinois. The Chicago area got the third earliest record snowfall in October of this year. Homes that are not in designated flood zones may get bombarded with a significant amount of snow. When that snow melts, where does it go?

What Is Snowmelt?

Snowmelt occurs when the snow begins to thaw. This causes runoff, often in a short period of time. The ground is frozen, so it is unable to absorb that melted snow. That water will then flow into rivers, streams and lakes, eventually causing excess water to come over the dams and banks.

Is It Covered?

As a general rule, snowmelt is not covered by your homeowners insurance policy or an additional flood policy. If the pressure from the snow build-up causes roof damage, broken windows or any type of similar home damage, then your policy may cover it. However, this varies by carrier and by state.

Once it begins to warm up outside, the snowmelt that leads to flooding may actually be covered by your flood policy. Essentially, you need to contact your independent insurance agent to determine what type of destruction your homeowners insurance actually covers.

Contact Your Independent Agent

Because it appears this winter is going to be harder, it is important to know how the snow affects your homeowners insurance. It is just as important to ensure you have adequate coverage in the event that disaster strikes your home. If you have questions about what is covered by your homeowners insurance, whether you have coverage for flood damage or how a personal injury claim might work in conjunction with your policy, contact one of our independent agents in the 60714 community to discuss.

How To Get Coverage For Foundation And More

Illinois is a bustling state in the Midwest. There are a lot of sports teams, including the Chicago Bears and the Chicago White Sox. There’s even a NASCAR speedway just outside of Chicago. Home values can vary dramatically depending on where you live, so it’s important to obtain the right coverage on your homeowner’s insurance.

What kind of coverage do you need for your home? This is one of the most important questions you can ask when tasked with buying a policy.

You want to look at the age of your home as well as all of the possibilities of something happening. Coverage can include:

– Sinking porch

– Foundation problems

– Fire

– Flood

– Theft

– Personal injury

We can talk to you about homeowners insurance in Illinois that works for you based upon the coverage you need as well as the premium you can afford. We want to make sure every detail has been thought of – and if you experience a sinking foundation, we want you to be able to call and make a claim so it does not fall on your shoulders to pay for.

We make it easy for you to get homeowner’s insurance in Illinois. We will answer your questions, show you the level of coverage you need based upon home value and the value of your possessions, and more. We will also obtain quotes for you from multiple companies. We are independent agents and therefore show no allegiance to one company over another.

Making comparisons is critical, but first you need to know what kind of coverage you need. Let our agents help you every step of the way. Call and one of our agents can begin working with you on a customized policy that meets your needs.