1. 1280 POINTS
    Commercial Lines Producer, Secure Investors Group, INC, Troy, Michigan
    It depends, which I know is an unsatisfactory answer.

    Assuming you have HO-3 Homeowners coverage there is protection against sudden rain/sleet/snow damage to your roof.  In other words, if there is a sudden winter storm that persists for days on end, an ice dam builds up on your roof and causes damage there could be coverage.

    However, if you have an older roof and it has been through a few winter storms then the most likely answer you will get from an insurance company will be the damage was caused by normal wear and tear and the damage is not covered. 

    So, depending upon the age of your roof, its pre-storm condition and the suddenness/severity of the storm you may or may not have coverage.
    Answered on June 26, 2013

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