How Might My Property Be Damaged in a Winter Storm?

The ice and snow left behind in the aftermath of a winter storm may seem more like a hassle than anything else. However, it can be quite dangerous and cause serious damage to your property and home. With that being said, please follow along to find out how your property might get damaged in a winter storm and how one of the proficient New York residential storm claim denial attorneys at The Law Office of Craig A. Blumberg, P.C. can help you recover from it financially.

In what ways might my property be damaged in a winter storm?

In preparation for a forecasted winter storm, you should take the proper measures to secure your property. For example, you should have professionals inspect your roof for loose shingles, structural damage, weak spots, etc. And then in its aftermath, you should take the proper measures to clear the ice and snow from your property. For example, you should have professionals shovel most of the ice and snow from your roof. But even with doing everything right, you cannot control the sheer gravity of the winter storm and the effect it may have on your property. Without further ado, below are ways in which your property may have gotten damaged beyond your reasonable control:

• The built-up weight of heavy ice or snow may cause your roof to collapse.
• The thawing of ice or snow may cause flooding and water damage to your home.
• The accumulated ice or snow on tree limbs may cause them to fall on your home.
• The high winds during the winter storm may cause your windows to break or doors to bend.
• The ice or snow on electrical lines may cause power outages and electrical surge damage when turning back on.

Does my homeowners’ insurance policy cover winter storm damage?

You may rest a little easier knowing that most standard homeowners’ insurance policies in New York State cover property damage caused by winter storms. However, this may be dependent on the exact causation of property damage. For example, a standard policy may only partially cover or deny coverage of damage caused by high winds during the winter storm, or even wind-blown snow onto your property. With this, you may have needed to add to your coverage plan in advance. If you did, then you may need to prove your eligibility to your insurance provider. This may require you to demonstrate where your property was in relation to the storm’s path, along with taking photos of the actual property damage, citing the correct policy language, and more.

At any rate, don’t hesitate to get in touch with one of the talented New York residential property damage claim attorneys. We, at The Law Office of Craig A. Blumberg, P.C., look forward to your phone call.