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During a typical winter, storms can cause damage of more than $1 billion, according to the Insurance Information Institute. Home insurance covers much of the damage, even from severe winter storms.

The winter of 2022-2023 saw record snowfall in many places and multiple intense winter storms across the nation, continuing even into the spring months.

Recovering from a severe winter weather event can be especially painful for those lacking adequate homeowners insurance. Ahead of winter, review your policy, especially your dwelling coverage limit.

Homeowners insurance covers winter storm damage, including a roof that is damaged or collapses under the weight of snow, water that leaks through a roof damaged by a winter storm, and damage from pipes that burst due to a sudden freeze.

The infographic below shows what homeowners insurance typically covers when winter storms strike.

Role home insurance plays in covering winter storm damage.

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