Snow Removal and Your Insurance – Is It Covered?

Snow Removal and Your Insurance – Is It Covered?

Does your insurance help you remove snow? 

As the winter weather approaches, we brace ourselves for the harsh and cold weather ahead. Since snowfall across the country could be likely, it’s important that homeowners prepare themselves for clearing their properties, driveway, and vehicles of snow. This can help to prevent injuries, fines, and further damage.

You are legally required to shovel the snow from the sidewalk or pathways around your property after a snowfall. Generally, a homeowner is expected to do this within 24 to 48 hours after the snowfall has ended. If you don’t, you could face a warning or immediate fine.

Generally, your homeowners or renters insurance policy will cover liability for injuries if someone other than a family member slips and falls on your property. However, your coverage is based on an expectation that you perform due diligence to keep your property safe for visitors. Check your policy to be sure you have enough liability coverage that reduces your risk of paying out of pocket for the incident. Keep in mind that most policies will not cover you, the homeowner, for any injury and medical expenses you incur in your own home.

Melted snow can cause a flood, so it’s important to work quickly so your home and vehicle are free from as much snow as possible. Be sure to take regular breaks when clearing the snow and make sure your shovel is not so heavy that you get exhausted.

To find reliable homeowners insurance that will protect you and your property through winter and beyond, visit the experts at Kurt Rolf Insurance Agency. Our team is ready to assist homeowners in Minnesota, Wisconsin, Florida, South Dakota, and Arizona with their home insurance needs!