Record Snowfall Leaves CNY Homeowners Battling "Act of God" Insurance Claims

Central New York, February 23, 2025 – As record-breaking snowfall blankets Central New York, many homeowners are facing an unexpected challenge: insurance companies denying claims by citing the “act of God” clause. With the tremendous amount of snow causing significant property damage, residents are now asking, “What do we do when our insurance won’t cover the losses?”

Insurance policies often include an “act of God” provision that absolves companies from liability when damage results from natural, unpredictable events. In the wake of this winter’s unprecedented storm, several insurers have invoked this clause, leaving policyholders struggling to repair roofs, clear driveways, and restore homes without financial assistance.

Experts advise that homeowners first review the details of their insurance policy. “It’s crucial to understand what your policy covers,” says an independent insurance consultant. “Some policies might include exceptions even for natural events, especially if poor maintenance or pre-existing conditions contributed to the damage.” Homeowners are encouraged to gather all documentation, including photographs of damage and receipts for any repairs, as well as detailed weather reports from the period of the storm.

If a claim is denied, the next step is to appeal the decision. Policyholders can request a detailed explanation from their insurer and consider hiring a public adjuster who can provide an independent assessment of the damage. “An independent review can often reveal discrepancies in the insurer’s evaluation,” notes a local legal expert. “Consulting with a lawyer who specializes in insurance claims can also help determine if the denial was justified under the terms of your policy.”

Local consumer protection agencies and state insurance commissioners are also valuable resources. They can offer guidance on how to file a formal complaint and may help mediate disputes between homeowners and insurance companies.

As Central New York gets through this harsh winter, affected residents are reminded to keep detailed records and seek professional advice promptly. With a proactive approach, homeowners can better navigate the complexities of insurance claims. Even when faced with the unpredictable power of nature..