Sizing Up Snow Insurance
Echelmeier lost 40 cows that died when ice and snow crushed part of his barn roof. The next morning, the rest of the roof collapsed. He estimates the damage at $300,000, although he's still working out details with his insurance company.
"I know the cows that we lost are going to be covered and that definitely is a big help to start so that we can cut some of our losses in milk production," he explained. "Because honestly that's going to hurt us as much as rebuilding a roof if not more, the longer we go without. That's our income."
Emil Kampeter of the Missouri Department of Insurance said, "Generally, homeowners' policies do not cover the weight of ice, sleet or snow for detached structures. So a lot of individuals are finding that they don't have that coverage, say for in some instances, their barns."
Kempeter also said some people forgot to insure their boat docks at the Lake of the Ozarks, where ice and snow crushed many of them.
"Missouri hasn't seen a storm like this in a long time, and so when people are insuring property they may not even consider the weight of ice and snow," he said.
Kampeter recommends homeowners make New Year's resolutions to review insurance policies, ask agents specific questions and make sure everything is covered.