The short answer
Comprehensive coverage (not collision) pays for falling object damage — including ice, snow, and icicles from buildings or trees. Deductible applies. Liability against the building owner is possible under premises liability if they were negligent (known ice hazard, no warning). Ice off a commercial truck ahead of you is comprehensive on your side, or the trucker's liability if they can be identified.
Frequently asked
- Which coverage applies?
- Comprehensive, not collision — falling ice counts as a 'falling object' peril.
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