Top 3 questions on home insurance cover for snow

Do you have question as to what is covered by your insurer during snowy and extreme weather conditions? Then, read on and get some answers.

08:41 20 May 2013

Heavy snow is something that UK residents cannot seem to avoid this 2013. Thus, getting house insurance that has snow coverage makes perfect sense.

Below are the top 3 questions that home insurance policy holders usually ask about this type of coverage:

Q: Does my home insurance cover bursting pipes?
A: Most insurance companies offer this type of coverage. This together with heating systems and escaping water from tanks are usually covered as standard on contents and building insurance policy. Water freezing on the other hand, is covered under building insurance.

Q: What other snow-related damages do insurers usually cover?
A: Different insurers typically offer different coverage to their clients. Reading your policy will give you an idea on what they do cover. When in doubt, feel free to ask your broker.

Q: What don’t they cover?
A: Usually, insurers do not pay for existing damages. For example, if your roof has been broken even before the heavy snow came, you cannot expect your insurer to shoulder the expenses.