Snow Removal and Your Insurance – Is It Covered?

What New York homeowners should know about snow removal.

New York winters can be especially harsh, especially when the snow arrives. As a homeowner, ensuring that the snow does not become an expensive problem means that you have to clear up after each snowfall. Many homeowners are still unsure about their responsibility when it comes to snowfall. Here’s what you should know.

Homeowners are required by the New York law to remove snow and ice from their walkways, entryways, as well as the sidewalks and parking lots in front or attached to their properties. Under the premises liability law, property owners are responsible for taking reasonable steps to make sure the properties are free from hazards and risks that could endanger visitors.

In New York, you have a certain amount of time to clear the snow from your property.

If the snow stops falling between:

  • 7:00 a.m. and 4:49 p.m. – you must clear within four hours
  • 5:00 p.m. and 8:59 p.m. – you must clear within fourteen hours
  • 9:00 p.m. and 6:59 a.m. – you must clear by 11:00 a.m. the next day

Remember to pace yourself when cleaning snow because it can be a physically-intensive and strenuous task. In cases of heavy snowfall, you may want to consider hiring a service to clean the snow from your sidewalk and driveway.

Homeowners should bear in mind that, even without the hazard of snow, they can be sued if a person falls and sustains an injury on their property. If ice and snow on your driveway cause a visitor to fall and injure themselves, you could be found negligent and liable. This can be a costly outcome for many homeowners. Not only is it a good idea to keep your property in a safe condition, but it is worth ensuring you have enough homeowners insurance protection should you need it.

For the quality homeowners insurance you need to protect you throughout the season, contact the team at Abatelli Group, Inc., serving Whitestone and neighboring cities in New York.

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