Let it Snow! Let it Snow! Let it Snow!
Snow load is the accumulation of snow and ice on a building's roof. The roof or the entire structure can fail if the snow load exceeds the weight the roof/ building was designed to withstand or if the building was poorly designed or constructed.
An excessive amount of snow buildup can cause stress on a roof. This can create cracks and leaking through roof, ceiling and walls. If there is enough weight it can also cause your roof to sag compromising the structural integrity of the roof and dwelling, in turn your roof can collapse.
You can lessen the chances of a loss by being aware of the amount of snow accumulating on your roof and having the snow removed. We recommend this be done by someone experienced in roof snow removal to avoid any damage done by improper removal or personal injury in the event of a fall.
Not only can an excessive amount of snow cause the collapse of a roof, it can prevent the proper drainage of water from a roof when the snow melts and freezes creating ice dams. Ice dams form when snow on the roof melts and has nowhere to go due to gutters being clogged with leaves, snow and ice. The water re-freezes and the ice will then make its way under the shingles. This can repeat itself until eventually water will begin to enter the home causing water damage. Keeping gutters and downspouts clear of debris, snow and ice buildup will help prevent this from happening.
Check with your Independent Insurance Broker to see if your policy covers for snow load.
Remember Prevention is Your Best Protection.