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Water, Water Everywhere!

An ice storm can cause a lot of damage, and so can the water when the ice starts to melt.

By Susan Massmann | Updated on December 31, 2010
“In America the ice-storm is an event. And it is not an event which one is careless about. When it comes, the news flies from room to room in the house, there are bangings on the doors, and shoutings, ‘The ice-storm! the ice-storm!’ and even the laziest sleepers throw off the covers and join the rush for the windows.” –Mark Twain, Following the Equator

Of course, in modern times, the news of an ice storm arrives–long before the first speck of frozen water appears–via the endless scroll across the bottom of the TV screen. Now if only a scroll explaining the insurance issues resulting from ice damage appeared.

Enter FC&S. We receive numerous and varied questions regarding ice, from ice causing things to fall, to things falling through ice. For instance, one subscriber explained that a carrier was coding ice losses resulting from tree branches breaking off and damaging homes as water losses. They then applied a water loss surcharge. The subscriber thought the cause of loss should be falling objects or the weight of ice and snow, and not water. If ice melted and seeped into a dwelling then it might make sense, but not this.

Ice And Water

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