Welcome to Lake Region Insurance Agency, we’re here to help you.

Mon-Fri: 8:00am-5:00pm
Sat-Sun: Closed

51 Main Street S
New London, MN 56273




7 Winter Weather Problems Covered by Home Insurance (And 3 That Aren’t)

Hands covering a small wooden house model, symbolizing protection and home insurance.

Minnesota is known for its breathtaking lakes, beautiful forests, and unfortunately, its brutal winters. Each year, residents brace themselves for heavy snowfall, bone-chilling temperatures, and dangerous ice storms. These harsh conditions can wreak havoc on homes, making it crucial for homeowners to have reliable home insurance.

Homeowners insurance is essential in protecting against the unexpected damages winter can bring, covering property damage to your dwelling and personal property. From frozen pipes to roof collapses due to heavy snow, having the right home insurance coverage can save you from significant financial losses and help with additional living expenses if your home becomes unlivable (loss of use).

At Lake Region Insurance Agency, we understand the unique challenges Minnesota winters pose. We’ve been helping Minnesotans safeguard their homes for over 80 years, providing outstanding customer service and claims support when you need it most. Our experienced agents work for you, not the insurance companies, ensuring you get fair, prompt payment for your claims.

Your home is one of your biggest investments. Protect it with the right insurance coverage, ensuring you have adequate liability coverage for potential legal issues and enough coverage to rebuild your home at the market value of your home. Call any one of our locations in New London, Willmar, or Cokato today for a no-cost, no-obligation quote, and discover why Lake Region Insurance Agency is the trusted choice for homeowners across Minnesota.

7 Winter Weather Problems Covered by Home Insurance

A distressed couple sits in a living room with water leaking from the ceiling into buckets on the floor, indicating a home water damage emergency.

1. Ice Dams

Ice dams are a common winter problem in Minnesota. They form when heat escapes from your home and melts the snow on your roof. As the melted snow flows down and reaches the colder edges of the roof, it refreezes, creating a dam of ice. This dam can trap more melting snow behind it, leading to water seeping under the shingles and into your home.

The damage caused by ice dams can be severe. Roof leaks are a common issue, allowing water to damage ceilings, walls, and insulation. In extreme cases, ice dams can lead to structural damage, affecting the integrity of your roof and home.

Home insurance policies in Minnesota typically cover the damage caused by ice dams. This means if your roof leaks or if there is water damage inside your home due to an ice dam, your insurance policy should help cover the repair costs. However, it’s essential to maintain your home and take preventive measures, as neglect can affect the extent of coverage. Always check your policy details to understand what is covered and ensure your home is protected against Minnesota’s harsh winter conditions.

2. Frozen Pipes

Minnesota’s freezing temperatures can cause water pipes in homes to freeze and burst, leading to extensive water damage. When pipes freeze, the water inside expands, putting immense pressure on the pipes. This pressure can cause the pipes to crack or burst, resulting in significant water damage to your home.

Burst pipes can damage floors, walls, and furniture, and if not promptly addressed, they can lead to mold growth. Mold thrives in damp environments and can pose serious health risks to your family.

Home insurance typically covers the damages caused by burst pipes, including water damage and mold remediation. However, it’s essential to maintain proper insulation and regular maintenance of your plumbing system to prevent such incidents. Ensuring that your home is prepared for Minnesota’s harsh winters can help minimize the risk of frozen pipes and the associated damages.

3. Wind Damage

Winter storms in Minnesota can bring powerful winds that wreak havoc on homes. These gusts can tear shingles off roofs, leaving your home vulnerable to leaks and water damage. Additionally, wind can uproot trees, causing them to fall on houses, garages, or other structures on your property. Home insurance typically covers these types of wind damage, ensuring that you have the financial support to make necessary repairs.

When wind damage occurs, it’s important to act quickly. First, ensure your safety and avoid any dangerous areas, such as where power lines have fallen. Next, document the damage with photos and videos, and contact your insurance provider to report the incident. Secure your property as best as you can to prevent further damage, such as covering exposed areas with tarps or boarding up broken windows. By taking these steps, you can ensure a smoother claims process and quicker repairs.

4. Hail Damage

Hail can cause serious damage to both the roof and siding of your home. In Minnesota, winter hailstorms are quite common, bringing large chunks of ice that can dent and crack roofs and siding. The impact can break shingles, causing leaks, and dent or crack the siding, leading to potential water damage.

Hail often shatters windows and damages other exterior elements like gutters and downspouts. Home insurance typically covers these repairs, ensuring that you can fix any hail damage without bearing the full financial burden. It’s important to document the damage and report it promptly to your insurer to ensure coverage.

5. Roof Collapse Due to Snow Load

In Minnesota, the winter months can bring heavy snowfall that piles up on roofs. This accumulation of snow can become very heavy, putting a lot of stress on the structure of your home. When the weight of the snow is too much for the roof to handle, it can lead to a roof collapse.

A roof collapse isn’t just a hassle; it’s a serious danger. It can cause significant damage to your home and its contents and even pose a risk to the safety of the people inside. Home insurance is crucial in these situations. Most home insurance policies cover the repair or replacement of a roof that collapses due to the weight of snow. This means that if your roof gives in to a heavy snowfall, your insurance can help cover the costs of fixing it, ensuring that your home remains safe and sound.

6. Fire Damage from Heating Equipment

During Minnesota’s harsh winters, the use of heating equipment like space heaters and fireplaces becomes essential to stay warm. However, these heating sources also increase the risk of house fires. Space heaters can easily ignite nearby materials if not used correctly, and fireplaces can cause chimney fires if not properly maintained.

Common scenarios leading to fire damage include placing space heaters too close to flammable objects and failing to clean chimneys regularly. Thankfully, home insurance typically covers fire-related incidents, with the option to add additional coverage through endorsements. This means that if a fire occurs due to heating equipment, your insurance can help cover the cost of repairs and damages, providing crucial support during the coldest months.

7. Weight of Snow and Ice on Structures

In Minnesota, heavy snowfall and ice accumulation can put a lot of strain on your home’s structures. Roofs, porches, decks, and even carports can buckle under the immense weight of snow and ice, leading to costly damage. Home insurance policies typically cover these types of damages, helping you repair or replace the affected structures.

When the weight of snow or ice causes your roof to cave in or your porch to collapse, your home insurance will often step in to cover the costs. This includes the expenses for materials and labor needed to get your home back in shape. It’s reassuring to know that during those heavy Minnesota snowfalls, your insurance has you covered for these winter woes.

3 Winter Weather Problems Not Covered by Home Insurance

A flooded residential street with water covering the road and surrounding homes, indicating a severe flood event in a neighborhood.

1. Flood Damage

In Minnesota, the transition from winter to spring often brings melting snow, which can lead to flooding. When the snow melts rapidly or during heavy rain, the excess water has nowhere to go, leading to floods. Unfortunately, most standard home insurance policies do not cover flood damage resulting from snowmelt.

Homeowners are often surprised to learn that flood damage is typically excluded from their regular home insurance. To protect your home from this type of risk, it’s essential to have a separate policy for flood insurance, often through the National Flood Insurance Program. This specialized coverage can help you manage the costs of repairs and replacements if your home is affected by flooding, including damage to your personal belongings. It’s a wise investment, especially in areas prone to heavy snow and subsequent snowmelt, and should be considered alongside standard homeowners policies. Additionally, flood insurance may be required by your mortgage lender, making it even more crucial to have in place.

2. Neglect and Lack of Maintenance

One major issue that home insurance typically does not cover is damage resulting from neglect or lack of maintenance. This includes preventable problems such as not maintaining your roof, failing to service heating systems, or not insulating your pipes properly. For example, if your roof leaks because you didn’t repair damaged shingles or clear out your gutters, any resulting water damage may not be covered by homeowners coverage. Additionally, vandalism, malicious mischief, and theft are also not typically covered by home insurance, so it is important to take steps to prevent these types of damage to your home systems and home devices.

The reason insurance doesn’t cover neglect is because these issues can usually be avoided with proper upkeep. Homeowners are expected to take care of their properties to prevent easily avoidable damage. Insurance is meant to cover unexpected events, not problems that could have been prevented.

3. Seepage and Groundwater

Gradual water seepage or groundwater infiltration is a common issue during Minnesota’s spring thaw or from the long-term buildup of snowmelt. This type of damage happens slowly over time as water seeps into the foundation or basement walls of your home over time. Unfortunately, standard homeowners insurance policies typically do not cover this kind of damage.

Insurance companies consider seepage and groundwater infiltration preventable. Homeowners are expected to maintain their home’s foundation and ensure proper drainage systems are in place. Regular maintenance and repairs can help avoid these issues, keeping your home safe and dry.

What Natural Disaster is Typically Not covered Under Home Insurance?

Flooding is typically not covered under home insurance in Minnesota. Standard policies usually exclude damage caused by natural flooding from heavy rains or overflowing rivers. Homeowners can purchase separate flood coverage to protect against this risk.

Secure Your Home Against Winter Woes with Lake Region Insurance Agency

In conclusion, Minnesota’s harsh winters can bring numerous challenges for homeowners, from ice dams and frozen pipes to roof collapses and fire hazards. While home insurance covers many of these winter weather problems, some issues like flood damage and neglect aren’t included. It’s essential to understand your policy limits and take preventive measures to protect your home from severe weather.

At Lake Region Insurance Agency, we understand the unique needs of Minnesota homeowners. With over 80 years of experience, we provide outstanding customer service and comprehensive coverage options to safeguard your home. If you are looking for a local agent, call any of our locations in New London, Willmar, or Cokato today for a no-cost, no-obligation homeowners insurance quote and discover why we are Minnesota’s trusted choice for home insurance.

Leave a Reply

Your email address will not be published. Required fields are marked *