Roof Collapse due to Excessive Snow

February 17, 2011 at 1:28 PM | Posted in Home | Leave a comment
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Prior to a roof collapse, buildings generally exhibit signs that the roof is in distress and action should be taken. The following are some of the warning signs of a potential collapse to the roof of your home, garage, carport, shed, or other structure:

  • Sagging roof steel – visually deformed
  • Severe roof leaks
  • Cracked or split wood
  • Bends or ripples in metal supports
  • Cracks in walls or masonry
  • Cracks in welds of steel construction
  • Sheared off screws from steel frames
  • Water pooling where it never has before
  • Doors that pop open
  • Doors and/or windows that are difficult to open
  • Bowed utility pipes or conduit attached at ceiling
  • Creaking, cracking, or popping sounds

If you have a flat roof, or one without a sharp pitch, removal of the snow would go a long way toward preventing a roof collapse. Only able-bodied adults should do this as the snow is heavy and the roofs may be slippery. We urge you to leave the work to experienced workers.

Please note the following:

  • If you have a carport that collapses while your vehicle is under it, separate deductibles would apply for the damage to your carport and your vehicle.
  • If your garage, carport, or shed is detached from your home, any claim would be settled on an actual cash value basis meaning they will depreciate for the age and condition of the structure.
  • Pools are NOT covered for collapse due to the weight of ice and snow.

As always, please contact us at 888-850-9400 if any claims occur or if you want to discuss your coverage.

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