Question: My guttering has been damaged by snow. Will this be covered by my home insurance policy?
Gareth Kloet, head of household services at Confused.com answers our latest customer question.
Answer: Your buildings policy will cover you for snow damage to your guttering as long as the damage was caused by a single event. In other words, if your area experienced an episode of heavy snowfall in one period of time, then any damage as a result of this would be covered as it is a one off unforeseen event.
If, however, your guttering is damaged due to a prolonged episode of light snow fall then this would cause problems. If your guttering collapses after a period of time when you could have cleared, and therefore maintained the structure, then this would be seen as negligence on your part and the insurer would not have to pay-out.
In these circumstances, it is best to contact your provider directly to discuss your personal situation as there may be some leeway especially after the unusual weather events.
Some cover it. I remember distinctly that snow falls are a part of the acts of god classification that is like earthquakes and floods.
Posted by: home owners insurance company | 02/08/2012 at 02:20 AM