The week’s winter storms bring a good reminder to check your insurance policy to make sure roof collapses due to snow and ice are covered. Some folks found out too late that their farm policies had limitations on certain perils, like snow or ice.
According to one Michigan insurance agent, there are some variances on state requirements as to what insurance policies cover. For example, some require fire and wind protection, but leave additional coverage to the business owner. Keep in mind that some states have broader requirements than others, so you may be required to shell out some extra cash for additional coverage.
If you have any doubt about your coverage, contact your insurance agent right away.
The heavy snow-fall has also collapsed the roofs of barns in some parts of the country.