My attached deck just collapsed under the weight of snow. I haven’t been in contact with my insurance company but I fear they will deny my claim

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 11, 2015

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Insurance Question from Chesterfield, CT

Asked on 03/11/2015

My attached deck just collapsed under the weight of snow. I haven’t been in contact with my insurance company but I fear they will deny my claim Will I run into trouble with my insurance company coving my deck. terms of the policy hint that excess weight on a collapse of a deck is excluded. It does not mention snow specifically.

Answer given on March 11, 2015

While homeowner insurance companies have different coverages for damages to a home and attached structures, most do include coverage for damage due to weight of ice and snow.If your policy covers the damage the policy deductible will apply to the cost of repairs. Due to the amount of snow the northeast received over this winter with very little breaks in between storms, the insurance companies may classify the storms as “catastrophes”. If they do so any loss that they pay will not count against the homeowner as a loss. This means there will be no possibility that your rates will go up. It is “free” claim.Call your insurance agent or company and discuss the claim and damage with them.They can provide you with more details and can confirm or deny coverage for your loss. I’m sure they have received many calls for similar damage to other homes.


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