“The state [of Massachusetts] has already received reports of over 100 full and partial roof collapses over the last week.”
Although the snow fall here in Colorado may not be as intense as other states east of us are seeing, this information is still good to know.
Many companies who sell homeowners insurance in Colorado typically base their policies off of the ISO HO-3 form (a standard homeowners form policy language). While many companies use the HO-3 form there are many who modify the form with their own legal language to change the coverages, and some even further have their own custom language. On top of that there can be riders placed on your policy that either expand or reduce your coverage, so while we’re speaking to the typical homeowners policy, we strongly suggest you contact your agent to see how your policy is worded.
Standard ISO policies do cover collapse due to the weight of ice, snow or sleet for the primary dwelling (structure). Weight of ice and snow causing roof, porch, deck to collapse: the typical policy covers the damage of the building or any part caused by the weight of ice, snow, or sleet.
Contact Us: If you have any questions, please call us at 970-254-0832 or email firstname.lastname@example.org
How To Prevent a Roof Collapse: http://www.homesessive.com/read/prevent-roof-collapse-remove-ice-and-snow