My deck was crushed when ice and snow from my roof came tumbling down—will homeowners insurance typically cover this?
I’ve checked my policy, and it doesn’t mention anything about decks. I’ll be reaching out to my insurer on Monday, but I’d love to hear any insights in the meantime.
Last night, a large amount of ice and snow slid off our standing seam roof and onto our second-story deck. When I went to clear it today, I discovered that the deck has nearly collapsed, detaching from the house at the ledger board. The damage appears to be extensive: it crushed the lines for our heat pumps, broke a downstairs window, and landed on our riding lawn mower. I haven’t had a chance to assess the mower’s condition yet. Unfortunately, the deck itself looks completely beyond repair.
From my quick research, I’ve encountered a mix of opinions on whether this kind of damage is covered by insurance. I realize it ultimately depends on my specific policy, but I would appreciate any personal experiences or advice regarding similar situations. Thank you!
I’m sorry to hear about the situation with your deck. It sounds really stressful, especially with the damage to other property as well. While specific coverage can vary by insurance policy and provider, here are some general points to consider that may help:
Coverage for Sudden Collapse: Many homeowners insurance policies cover sudden and accidental damage. Since the deck collapsed due to the ice avalanche, it might be considered an accident, which could mean it’s covered.
Structure vs. Detached Structures: Some policies specifically cover structural damages like decks, while others treat them as separate from the main structure. It’s great that you’re checking your policy, as understanding how your insurer classifies the deck will be key.
Personal Property: Damage to your riding lawn mower and possibly the heat pump lines might be covered under your personal property protection. Again, check your policy for specifics.
Exclusions: Look for any exclusions related to natural events, such as snow or ice. Some policies have limitations on what causes damage to structures.
Document Everything: Make sure to take plenty of pictures for your records and to provide to your insurance company. Documenting the damage will help in your conversations.
Contact Your Insurer: When you call your insurer, be clear about the cause of the damage and provide all details. They will guide you based on your policy specifics.
Seek Professional Help: If you haven’t already, consider getting a contractor to assess the deck and other damages. Professional assessments can strengthen your claim.
Ultimately, your insurer will provide the most accurate information based on your policy. I hope you get a favorable outcome!