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With the excessive amount of snow, ice and altogether bad weather the Midwest received this year, it’s important to know weather (get it) or not your home policy protects against collapse from snow and ice.

There are multiple types of property policies but a standard home policy, otherwise known as a “special peril policy” or a “form three policy,” does protect against a roof collapse from excessive snow and ice. You’ll want to know what type of policy you have, so it’s important to contact your agent. Some farm polices, commercial polices and other home policy coverage forms may not offer this as an included coverage.

According to the Insurance Institute for Business and Home Safety, a house should be able to support 20 pounds per square foot of roof space. That’s about 4” of pure ice, 1 foot -1.65 feet of packed snow or 3.3 feet to 4 feet of fresh snow.

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