If you cannot stay in your home because winter weather contributed to a power outage, the costs of staying in a hotel will probably not be covered. This is because homeowners’ insurance policies usually only cover costs associated with physical damage to the house. So, unless the power outage directly results from snow or ice damage to your home, you’ll pay out of pocket.
Your insurance might cover a hotel stay if your home is uninhabitable because of roof collapse or other snow or ice-related damage. When you hire a snow and ice damage lawyer to represent you, your lawyer can review your policy to determine if hotel reimbursement is included.