Winter is in full swing in Wisconsin, and with it comes the perils of heavy snow and ice. Winter storms create many hazards, but they can also wreak havoc on your roofs, especially those on older farm buildings. If you assume your farm insurance automatically offers collapse coverage due to snow load, you could be in for an unpleasant surprise if you need to file a claim.

Why Do You Need Snow Load & Collapse Coverage?

Farm buildings are particularly vulnerable to damages in winter storms. Many have one or more additions with varying rooflines, which creates the perfect spot for snow and ice to collect. Additionally, farm buildings typically have flatter roof pitches than houses and other buildings, increasing its structural burden. When snow and ice build up, it adds significant weight and stress to the roof and trusses.

Since these roofs aren’t built to carry the burden of such heavy loads, collapses occur frequently in the winter. If your farm insurance policy doesn’t include snow load and collapse coverage, you’re on the hook for the cost of all the repairs.

Does Your Farm Insurance Policy Provide Adequate Winter Protection?

The unfortunate reality is most basic farm insurance policies only cover basic perils, like damage from fires, and policyholders are rarely aware of this fact. Whether you live in an area that experiences harsh winters or not, most policies don’t offer broad coverage that includes roof collapse from snow load. The best way to determine if your farm insurance policy offers adequate winter coverage is to speak with your insurance agent. If snow load and collapse coverage is not included in your policy and they don’t offer it, it might be time to switch insurance companies.

The experienced insurance agents at Barron Mutual Insurance Company have provided Wisconsin farmers with adequate insurance coverage to meet all their needs. They offer snow load and collapse coverage as an optional add-on to your farm insurance policy, and they strongly recommend it so that you’re covered if one of your farm buildings experiences damage when the next winter storm hits. To learn more about this insurance company and the various policies they offer, visit their website, or call (715) 537-5141 to speak with an agent.