Does Homeowners Insurance Cover Snow Damage? 
Homeowners Insurance -LRB- Form HO3 & Form HO5 -RRB- does cover damage to the dwelling from Snow ; Snow Damage is one of the covered perils under a homeowners package policy . The deductible will apply and will be deducted from the claims payout . You should read the policy form regarding detailed information regarding coverages on your policy . For a sample copy of a Homeowners Special Form HO3 , you may click on the following link : WEBSITELINK 