What kind of snow damage does insurance cover?

Mar 21, 2023, 10:15 AM | Updated: Oct 19, 2023, 12:36 pm

snow is pictured on a home, more stormy utah weather on the way...

Photo of snow in Park City. (Benjamin McGonnell, KSL NewsRadio)

(Benjamin McGonnell, KSL NewsRadio)

PARK CITY, Utah — A home in Park City is one of the many Utah homes left damaged by this long winter. An ice dam pushed water up under the shingles and caused part of the ceiling to come crashing down. The good news for the homeowner who sent KSL these pics is it will probably be covered by insurance.

“Typically, broadly speaking, ice dams are covered when you have interior water damage,” Bekka Carlson, an insurance agent with State Farm said.

Also typically covered, damage caused by the weight of the snow.

“If you have a buildup of ice and snow on the roof and it collapses, usually some coverage in that,” she said. “You want to be careful if it’s ancillary items, fences pools, stuff like that, there could be some limitations.”

Snow on branches can also lead to fallen trees and damage, and that is also covered by most standard homeowners’ policies.

But if you were to hire someone to remove snow in hopes of avoiding damage, that is usually something you will have to pay yourself. Don’t expect your homeowner’s insurance to cover those costs, which can range from several hundred dollars to thousands, depending on the job. Having someone climb up on your roof with a shovel means hazard pay.

And when clearing snow, be mindful of where you put it.

“People don’t think of this, keep it away from your house,” Carlson warned. “Typically seeping, leaking, entering of foundations of snow when the ground is wet and saturated, it’s going to cause you problems.”

Problems for which you are likely not covered.

One of the big concerns with snow is flooding. When flood warnings pop up in forecasts, it is already too late to get flood insurance. In most cases, for it to pay, you must have had a policy in place 30 days prior to the flood.

We want to hear from you.

Have a story idea or tip? Send it to the KSL NewsRadio team here.


The New Intermountain Primary Children’s Hospital, Miller Family Campus, in Lehi is dedicated at ...

Heather Peterson

One third of Utah hospitals not in compliance with hospital price transparency law

Hospitals have been required to post a list of the prices they charge for services since January 1, 2021.

9 hours ago

Noah Pirkle snowshoes by the Mill B trailhead in Big Cottonwood Canyon on Monday, Jan. 15, 2024....

Carter Williams

Comparing Utah’s snowpack this winter with the rest of the West

Utah's mountains gained 12.9 inches of snow water equivalent, otherwise known as snowpack, between the season start on Dec. 1 to its end on Thursday

10 hours ago


Becky Bruce

South Jordan still cleaning up after tumbleweed take over

The invasive and non-native tumbleweeds blew into South Jordan on Saturday, blocking streets, driveways and even entire homes. 

12 hours ago

A screenshot shows where Shepard Lane in in relation to I-15 in Farmington....

Adam Small

Construction underway for UDOT’s I-15 Shepard Lane Interchange project

FARMINGTON– The Utah Department of Transportation is beginning construction on a project that will turn Shepard Lane into a new I-15 interchange. Mitch Shaw, a UDOT spokesperson, told KSL NewsRadio that the project will bring more than just a freeway entrance. New roads will also be connected to Shepard Lane.  “It’s all…our effort to make […]

14 hours ago

FILE: Citizens crowd in classrooms at Mt. Logan Middle School in Logan, Utah a Republican caucus me...

Peter Johnston

It’s Super Tuesday tomorrow. Here’s how to cast your vote for the presidential nominee.

One Utah party will hold a caucus to determine a presidential preference, another will meet, but ultimately decide by mail.

15 hours ago

police cars...

Mariah Maynes

SLCPD identify two killed in workplace shooting

Salt Lake City Police Department said they have identified two men who were killed in a workplace shooting on Sunday. 

16 hours ago

Sponsored Articles

Mother and cute toddler child in a little fancy wooden cottage, reading a book, drinking tea and en...

Visit Bear Lake

How to find the best winter lodging in Bear Lake, Utah

Winter lodging in Bear Lake can be more limited than in the summer, but with some careful planning you can easily book your next winter trip.

Happy family in winter clothing at the ski resort, winter time, watching at mountains in front of t...

Visit Bear Lake

Ski more for less: Affordable ski resorts near Bear Lake, Utah

Plan your perfect ski getaway in Bear Lake this winter, with pristine slopes, affordable tickets, and breathtaking scenery.

front of the Butch Cassidy museum with a man in a cowboy hat standing in the doorway...

Bear Lake Convention and Visitors Bureau

Looking Back: The History of Bear Lake

The history of Bear Lake is full of fascinating stories. At over 250,000 years old, the lake has seen generations of people visit its shores.

silhouette of a family looking over a lake with a bird in the top corner flying...

Bear Lake Convention and Visitors Bureau

8 Fun Activities To Do in Bear Lake Without Getting in the Water

Bear Lake offers plenty of activities for the whole family to enjoy without having to get in the water. Catch 8 of our favorite activities.

Wellsville Mountains in the spring with a pond in the foreground...

Wasatch Property Management

Advantages of Renting Over Owning a Home

Renting allows you to enjoy luxury amenities and low maintenance without the long-term commitment and responsibilities of owning a home.

Clouds over a red rock vista in Hurricane, Utah...

Wasatch Property Management

Why Southern Utah is a Retirement Paradise

Retirement in southern Utah offers plenty of cultural and recreational opportunities. Find out all that this region has to offer.

What kind of snow damage does insurance cover?