We are accustomed to damage that occurs from flooding and some episodes of busted pipes due to frigid weather. Wintertime damage is limited here but the two main causes in northern extremes are snow and ice. Snow weight can collapse a roof and damage an automobile. Another insurance liability includes ice injuries from slipping and frozen tree branches on a home or a neighbor’s home. Following a snow melt, major flooding occurs resulting in problems with septic systems. Homeowner’s insurance policies typically cover damage that results directly from winter weather events. Fox News reports that coverage is often denied due to neglect, whereby homeowners, by example, forget to drain pipes resulting in raw sewage backing up into homes.