Triple-I: Winter Weather-Caused Property Damage Is Often Covered


For immediate release
New York Press Office: 917-923-8245,


NEW YORK, Dec. 16, 2020—Standard homeownersrenters, and business insurance policies provide coverage for damage to property caused by wind, snow, severe cold and freezing rain, according to the Insurance Information Institute (Triple-I).

Property damage caused by flooding is not covered by these same policies.

Melting snow that seeps into a home, apartment, condominium, or business from the ground up would be covered by flood insurance, which is provided by FEMA’s National Flood Insurance Program and some private insurers.

Those involved in an auto accident between two or more vehicles caused by snowy and slippery road conditions, or who crash into an object like a light pole, are covered by a standard auto insurance policy for any damage incurred.

If a tree falls on your car and causes damage, or if the car sustains water damage from a flood, that is covered under the optional comprehensive portion of an auto insurance policy. About 75 percent of all U.S. drivers opt to purchase comprehensive coverage.


Filing a Claim
If you need to file an insurance claim for winter weather-caused damage, contact your insurance professional as soon as possible. Let them know the extent of the damage and document the loss with lists, receipts, and photographs.

Winter weather-caused damage in the U.S. caused about $2.1 billion in insured losses in 2019 and $3 billion in 2018. 


Facts & Statistics:

Winter StormsFlood Insurance



Winter PreparednessFlood Insurance



Triple-I Winter Storm Gail Preparedness

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