What Kind of Damage Can a Blizzard Cause?

Written by Ashley Surinak
Written by Ashley Surinak

Insurance doesn’t have to be boring. That’s why we hired Ashley Surinak to be our BA insurance writer. Ashley specializes in making mundane subjects hella-entertaining.


Blizzards have the potential to cause a lot of damage, to your home and otherwise. To understand this damage, it's important to understand the three main components of any blizzard: snow, ice, and wind. All three can cause a range of problems, including:

  • Roof damage: Snow accumulation can cause your roof to collapse or, at the very least, cause significant damage to your roof. Tree branches could also collapse under the weight of the snow, which could cause roof damage.
  • Gutter damage: Ice and snow can also accumulate in gutters. If your gutters aren't in great shape, the weight of accumulating ice and snow could cause them to collapse.
  • Siding damage: High winds could cause damage to siding or could blow items into your home, also damaging the siding. Windows are also vulnerable to wind damage. 
  • Potential lawsuits: You might not think about this right away when you think of blizzard damage, but accumulating ice and snow on your walkways and driveway could make you liable for injuries guests on your property suffer from slipping and falling. This isn't traditional "damage," but it could cost you some serious money.

Your homeowners policy will cover almost all of your potential damages and liabilities from a blizzard. However, it's best to speak with your an independent insurance agent to verify that you're covered before a blizzard ever hits.

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