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Some insurance doesn't cover snow load damage

Some in the Midwest have learned a bitter lesson this year when unusually heavy snowfalls resulted in roof collapses and they discovered such damage was not covered in their insurance policies, according to a University of Missouri building and structural specialist.

"I have heard of about 30 buildings damaged by snow loading. Unfortunately, in some cases, owners did not have snow damage included in their insurance policy," says Joe Zulovich, MU Extension assistant professor of agricultural engineering in a MU Extension release.

"The message is clear, check with your insurance agent to make sure snow and ice damage is a part of your property insurance policy," he says.

Many policy holders assume such damage is covered as is wind or fire damage, he said, but this is not always the case.

Some policies do cover snow loading damage, but others require separate riders for such coverage, he said.

"Never assume you have this kind of coverage and find out that you don't," he says.

Most of the damage this year involved livestock buildings or other industrial structures, he says, although private homes, while as a rule are built to withstand snow loads, also can be damaged.

Some in the Midwest have learned a bitter lesson this year when unusually heavy snowfalls resulted in roof collapses and they discovered such damage was not covered in their insurance policies, according to a University of Missouri building and structural specialist.

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