The short answer
HO-3 policies list 'weight of ice, snow, or sleet' as a named peril for the dwelling — sudden collapse of a roof, deck, or carport is covered. Gradual deflection, ponding, or damage from failure to shovel is treated as maintenance and excluded. Detached structures often have narrower cover.
Frequently asked
- Does it cover ice dam damage?
- Yes — ice dam water intrusion is covered as escape of water, though many claims trigger the roofing wear exclusion.
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