But not all coverage is the same.
Snow roof coverage.
The minimum is typically 2 feet 24 inches or 0 60 m above the vertical projection of the inside of the exterior wall.
As far as damage caused by ice dams is concerned your home insurance will provide coverage as part of the standard homeowners coverage form ho 00 03.
If your house is uninhabitable after a roof collapse the additional living expense coverage in a homeowners insurance policy may help cover increased living expenses such as hotel bills while your home is being repaired.
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And in the case of roof collapse due to snow and ice insurers look at several variables before deciding if and how much to pay.
In colder regions a good practice is to cover the first 3 feet 36 inches or 0 91 m of roof over heated space with ice and water protector.
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Of course homeowners are expected to take steps to keep snow and ice from accumulating on their roofs but insurance companies understand that during long periods of ice snow and frigid temperatures there is not a lot that most people can do.
Coverage limits and terms will apply so be sure to check your policy to learn what.
Insurance may help cover the cost of replacing or repairing a roof that is damaged or destroyed by a collapse.