Heavy snow is common in northern cities throughout the United States during winter months. Sometimes that snow can lead to a roof or building collapse.
Sill, the nation's leading public adjusting firm, has the experience you need to help with any type of property insurance claim that may be caused by heavy snow.
The Federal Emergency Management Agency, or FEMA, has released a Snow Load Safety Guide.
This advice helps property owners to understand the risks as well as the potential causes for structural failure due to snow.
In a snow event there are several factors that could result in a building collapse.
- Snow load exceeds design snow load for structure
- Drifting and sliding snow conditions
- Deficient workmanship
- Insufficient operation and maintenance
- Improper design
- Inadequate drainage design
- Insufficient design; in older buildings, insufficient design is often related to inadequate snow load design criteria in the building code in effect when the building was designed
The FEMA document is intended for building stakeholders that may include building and facility managers, homeowners, emergency managers, and other key decision makers.
Commercial property owners should be aware of something called unbalanced snow load. For larger structures snow may accumulate at different depths in different locations of your property. This may increase the risk of a collapse.
Residential property owners should be aware of things like sliding snow, where snow may fall from a higher portion of your roof onto a lower portion, causing damage below.
The type or design of your roof will determine the snow load limitations.
If you experience a snow related collapse you can call Sill, the leading public adjusting firm in the country. Our team of licensed public adjusters have worked with property owners to help them through any type of property insurance claim.
Sill works for the property owner to offer a second opinion in the event you need to file an insurance claim. Sill can take the entire burden of an insurance claim off your shoulders.
Here's what we do:
- Evaluate your policy coverages, deductibles, limitations, and exclusions
- Uncover any coverages not disclosed by your insurer
- Visually inspect all property damage
- Document structural, contents, and loss of revenue due to loss
- Maximize your insurance claim settlement
- Settle your claim much faster
Our support staff is available 24/7, and our expert claims adjusters can help you recover from property damage or loss of business revenue due to a natural disaster.
Sill Company is the nation’s leading public adjusting firm, always working exclusively for the policyholder and never the insurance company, with its primary charges of taking the burden of handling your insurance claim off of your shoulders while maximizing your claim, in order to allow you to get your business back up and running as quickly as possible.