Get free, no obligation quotes from multiple providers

State Farm Insurance Allstate Insurance Farmers Insurance American Family Insurance Unitrin Insurance Travelers Insurance


Snow and ice build up at your rental property can result in devastating consequences. If you live in a cold climate then you are probably used to snow and ice hanging around for much of the winter season. While you are probably prepared for the cold season with warm clothing, snuggly scarves, cozy boots is your rental property adequately prepared as well?

Dangers of Snow and Ice

One of the biggest concerns when it comes to snow and ice buildup is safety for the people in the house or complex. While snow may be fun to frolic around in when it first falls, it can easily turn into slush and ice, both of which are incredibly slippery. Snow and ice build up around your home can equal slippery driveways, pathways, entrance ways, railings, door handles and cluttered bathrooms full of dripping wet snow gear.

Snow and ice buildup can also result in icicles hanging from balconies and ceilings. If icicles fall directly on you, then you could be facing a serious injury. What this means is that you need to be aware of how dangerous snow and ice buildup can be. Tread slowly, always leave some extra time to get from point A and point B and keep your eyes open for dangerous icicles and other snow hazards.

Snow and ice buildup can also lead to very slippery driving conditions. While there are snow plows and removal services that salt the street and try to get rid of the snow, you still need to drive slowly and carefully during the winter season. Leave your rental home ten minutes earlier during the winter season and gear down when you drive. Invest in snow tires or put chains on your tires to also help with the tread and keep control on icy patches.

Snow and Ice Damage to your Home

Snow and ice buildup can also cause damage to your rental property. The most common problems with snow and ice buildup are leaking roofs and damage to your gutters and foundation. As a renter you are not financially responsible for paying any of the damage that falls onto your home but you will still suffer from what these repairs mean, especially if the snow and ice have leaked into your home damaging your contents. In some instances the damage may be so bad that you might need to relocate while contractors restore the property.

In any case, if you are facing snow and ice damage that has damaged your contents or have left you without a home, then you should put in a claim with your renters insurance provider for compensation for your losses. Depending on your policy, you should be provided with compensation for your loss of items as well as loss of use of your apartment. Your renters insurance should pay to have your items replaced as well as pay for any moving expenses and rental fees you will need to pay while your property is being fixed. If you are without renters insurance and faced with snow and ice damage to your home, then you may need to pay for your losses out of your own pocket.

Snow and ice build up is a common concern for residents in several parts of the United States, especially during the months of November to March. Take the right precautions by always reporting any snow and ice build up to your landlord as soon as possible to avoid any further damage and treading lightly when you are outside. A little safety and planning ahead can go a long way when faced with snow, ice and other winter weather conditions.

Learning Center