Property loss type
What does a Weight of ice, snow, or sleet claim mean on a CLUE report?
Weight of ice, snow, or sleet is a standard named peril on homeowners policies covering structural damage from winter precipitation buildup.
Weight of ice, snow, or sleet in plain English
Structural damage (often roof) caused by the weight of accumulated ice, snow, or sleet.
A named peril on broad-form (HO-2 type) homeowners policies; usually a weather event, not a maintenance red flag.
CLUE disclosures and carrier feeds vary. Use this as a decoder aid, then verify the entry against your report, insurer records, and claim documents.
What to watch for
Weather-event claims listed for dates with no corresponding storm, or duplicated across a single storm event.
- Date of loss versus the report and order dates
- Amount paid, especially if the entry shows $0
- Claim status, including inquiry or information-only language
- Property address, vehicle, or policyholder identity
- Duplicate entries for the same event
Evidence that may help
Weather records for the loss date, roofer/contractor reports, photos of the damage.
Sources
- Virginia SCC Bureau of Insurance — Virginia Homeowners Insurance Consumer Guide (HO-2 named perils list)
- California Department of Insurance — Residential Insurance: Homeowners and Renters (named perils list)
- Wisconsin OCI — Consumer's Guide to Homeowners Insurance PI-015 (HO-2 covers weight of ice, snow, or sleet)