Peril: Weight of Ice, Snow or Sleet

The weight of ice, snow, or sleet peril in homeowners insurance covers damage caused by the excessive weight of accumulated ice, snow, or sleet. This includes structural damage to the roof, walls, or other parts of the home. It may also cover collapse or damage to attached structures like carports or decks.

This peril does not cover damage to any of the following:

  • Awnings
  • Fences
  • Patios
  • Swimming pools
  • Foundations
  • Retaining walls
  • Bulkheads
  • Piers
  • Wharves
  • Docks
  • Outdoor equipment

AVERAGE COST PER WEIGHT OF ICE, SNOW OR SLEET CLAIM: 

$11,500

(Texas Department of Insurance, 2021)

Winter storms caused nearly $6 billion in insured losses in 2022 (Insurance Information Institute, 2023)

Insurance policy types (forms) that cover this peril

Troy Tiger happy on Dark blue circle background
"Weight of ice, snow, or sleet—ah yes, the 'Winter is Coming' peril of insurance. Picture this: Jack Frost gets a little too aggressive, and now your roof’s doing a 'help, I can’t handle this buffet of frozen doom!' collapse. Gutters ripping off? Covered. Roof caves in? Covered. Your snowman falling over? Sorry, Frosty, you’re on your own. Just don’t get cute and leave a mountain of snow on your roof for fun — insurance draws the line at that."
Troy Tiger
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Public Adjusters at Tiger Adjusters are trained to create accurate and detailed property inspections to correctly account for all loss or damage.

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A sloppy inspection from your assigned insurance adjuster can cause your claim to be denied or undervalued.

Tiger Adjusters offers no-cost property inspections utilizing the latest technology to capture a full and accurate account of all damages.

Public Adjusters at Tiger Adjusters offer a free insurance policy review.

Complimentary policy review

Be honest — did you read the fine print of your insurance policy? 

When property damage occurs, our team reviews your policy and provides expert advice on a recommended course of action for your claim.

Public Adjusters at Tiger Adjusters are trained to create detailed loss estimates to file with an insurance claim.

Filing claim & All necessary paperwork

We create a detailed loss estimate and file your claim plus complete all the required  documentation.

It’s tedious work but when it comes to the value of your claim, the dollars are in the details! 

Public Adjusters at Tiger Adjusters  fully represent you in insurance carrier negotiations. We fight to recover all funds needed to cover your property damage.

Negotiating your claim

Tiger Adjusters fully represents you in negotiations with your insurance company. We review the carrier’s inspection report, estimate, and settlement offer to evaluate if you are being paid fairly. 

If not, we fight for funds for all covered damage so that you can repair and restore your property.

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