Damage can occur to the roof during extreme snow, however, the Financial Ombudsman, website states that it is quite common for roofs to be damaged when snow falls gradually over a period of days. Roof damage caused by snow can be anything from some broken tiles to a complete collapse of the roof; it is the amount of snow on the roof that will cause the harm and can lead to the need for extensive repairs.
If this is the case for your home or business premises, then you might be able to claim on an insurance policy in order to get it fixed, however, this will depend on the insurance company’s definition of a snow storm.
Gradual snow vs excessive snow
When claiming on your insurance policy the company will consider whether the damage was caused by a one-off snow storm or by snow falling on consecutive days. If the harm done to the roof is a result of snow falling on it over a period of days, then this usually won’t be considered a snow storm and it will not be covered by insurance. However, if the destruction was caused by excessive snow falling during a one-off snow shower, then this would constitute a snow storm and should be covered.
How the Leeds Roofing Company can help
In the event of an insurance claim, the Leeds Roofing Company can help to make an initial assessment of the damage caused and provide a record of their findings for insurance purposes; our business can then assist with any insurance repair work that need doing.
Another factor the property owner needs to consider is the condition of the guttering. If it is kept clear from debris so that thawing snow can flow away from the house easily, then this will reduce the potential for damage to the home such as damp from melting snow seeping through into the walls and ceilings of the house. Regular maintenance is essential to avoid this and our company can help with maintenance tasks such as these.
If you want to claim for snow or ice damage to the roof, then your insurance company will also take into consideration the condition of the roof prior to the storm, which is why it is a good idea to have regular maintenance checks to ensure that the roof is in good repair.