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Did snow, ice or water cause the damage?

Coverage Q&A: It may be necessary to reach for the dictionary definition of 'snow' to settle cover this property damage dispute.

By FC&S Editors | Updated on January 31, 2017
frozen pipes Snow and ice, while both water, are two different things. (Photo: Shutterstock)

Analysis brought to you by FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to learn how to find answers to YOUR coverage questions — click here!

Question: My insured is covered by an HO3 10/00. Behind his home he has a large boat dock with a boat lift and metal canopy. My reading of the form indicates that this dock would not be insured for damage (collapse) caused by weight of ice or water, but would be covered for weight of snow. I thought snow might be considered “ice”; However, snow is omitted from the limitations to docks under the collapse peril, even though it is listed separately as a covered peril under Coverage C perils insured against. Do you agree?

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