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As much as you love living in Albertville, Minnesota, you do have to accept the fact that winters can be extra cold and you will have to deal with the task of clearing snow from your premises. If you are in good shape and don’t mind doing some hard work, you might be okay getting a shovel and clearing the snow from your front path and driveway.
If you choose to hire someone to clear the snow and ice on your premises, that can run into quite a bit of money over a long winter with frequent snow storms. While it would be nice if your home insurance policy in Albertville, Minnesota covered the clearing of snow, the fact is, your home insurance policy does not cover such costs.
Snow clearing is considered routine maintenance, just like mowing your lawn or pressure washing your patio. If insurance companies were to offer a policy for snow clearing in a snow-prone state like Minnesota, the rates they would have to charge would be outrageous.
While your home insurance policy is not going to cover the costs of removing snow on your paths, patios and driveways, it will cover you if the weight of those snowflakes falling on your roof causes your roof to fail. You can file a claim to get that heavy wet stuff off of your roof and make any repairs that the forces of Mother Nature inflicted on your roof.
If you have been a resident of Minnesota for even one winter, you probably don’t need your independent agent telling you that heavy snow and ice can be dangerous. Even though your home insurance policy provides liability coverage for slip and fall accidents, you still have a duty to make sure your property is as safe as possible. As your independent agent, we would tell you, and every other homeowner in Minnesota, to keep snow off of your roof and walking paths..