What If The Snow Suffers A Direct Physical Loss? Is It Covered?
Well that’s an interesting question. Snow isn’t personal property, per se. One could certainly make an argument with regards to water rights laws, but that’s more of a real estate dispute than a Colorado Springs Renters Insurance concern. So if we set aside water rights, which are a big deal in Colorado but entirely irrelevant here….
Snow is not generally considered to be personal property, because of its wide availability, its random distribution, and its temporary nature. Unfortunately, you can’t file a claim and get paid because your snow melted. Though we can’t find an instance of it, we’re quite certain that someone, somewhere has tried and been denied. Any claims adjusters who have seen this should definitely reach out to us to share the story.
What if you’ve turned the snow into a snowman, and the amount of effort that you put into it makes you believe that you are an artist and that the resulting snowman art should be insured? You’d want that on a floater policy, more than likely, at the value you’re looking at. It’s probably not an appropriate amount of coverage for a valuable items endorsement on your Colorado Springs renters insurance. First we’d have to have a value for it. As a matter of course, we don’t normally suggest working with a particular appraiser, but we can’t think of a single snowman appraiser in the entire western United States. There used to be an excellent snowman appraiser in Newport, VT, but between his age and the global warming problem he’s now mostly retired.
If we ignore the fact that it’s entirely impossible to get a value, and assume that a company will write an agreed value policy on fine art in the form of your snowman, then we run into a serious problem. You, as the insured, have a duty to mitigate any loss as soon as you become aware of it. Given that the floater policy you’ll need to protect your fine art snowman covers open perils, you still need to mitigate the risk of heat destroying your snowman.
If you can’t or won’t mitigate the risk from heat, the sun, exhaust that would change the color of the snow, and other risks, you’re unlikely to find coverage for your snowman fine art because you didn’t take steps to prevent further loss. You’d have to put him in cold storage, and take additional steps – and that’s if you could find someone to write the policy. So no, snow and snowmen are not covered on Colorado Springs Renters Insurance.
On the other hand, your liability if you fail to shovel the snow and someone falls can be covered. Damage to your personal property resulting from weight of snow and ice on the roof and the leak that naturally follows, can be covered. Liability from snow falling off your roof onto someone’s head could be covered, potentially. There are many ways that snow is covered under renters insurance in Colorado Springs. Melting of a snowman, regrettably, is not one of them.
If you’d like to find out how to be protected from the many non-satirical risks of snow, just call Effective Coverage and see how a renters insurance policy can help you to keep your family and your assets safe. Coverage is affordable and it takes just minutes to get the protection you deserve. All you have to do is call (800)892-4308 or click to get covered - whether you need Colorado Springs, CO renters insurance quotes online or coverage anywhere else!
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