Who Covers A Frost Heave In The Driveway To The Road -- The Homeowner Or The City? 
A HO-3 homeowners policy covers your driveway to an amount not to exceed the Coverage B limit . However , the insurance company generally does not pay for damage to a driveway caused by freezing , thawing or pressure or weight of ice or water whether driven by wind or not . Since the city is not responsible for the weather , I doubt that they would have any liability . 