A standard homeowners or renters policy typically covers winter weather damage caused by frozen pipes, downed trees, ice dams, and roof collapses, according to Loretta Worters, vice president of media relations for the Insurance Information Institute, an industry group. Those policies also usually cover additional living expenses, such as hotel stays and restaurant meals, if a homeowner is displaced because of the damages.
Struggling with ice dams? You’re not alone, and insurers say they have the claims to prove it.
