In an attempt ta assist with some advise in adjusting winter storms I submit the following:
You need to pay attention is to the employed controlling form. Homeowners 2 is a named peril policy, which requires an openning created which allowed the interior water intrusion during the thaw.
I have seen many of the "2's" sold by agents, in an attempt to reduce premiums, then when the dam damn occurs, it is not covered. With 3's - no problem with coverage to the dwelling damages. Beware of contents although, damages to contents is covered by named perils, unless endorsed to make the Unscheduled Personal Property - All Risk.
Collapse due to weight of ice & snow is covered.
Do not climb roofs with ice on them.
Do Not park in snow drifts or large piles of snow.
Carry a bag a salt and snow shovel in your car.
Always have a full tank of gas, fill up at half empty.
Wear warm clothes and have extra in the car should a breakdown occur and you are there for hours. I also carried a small propane heater for back-up - never needed it.
Do not eat yellow snow.
I also maintained a life time warranty on my vehicle alignment. When too much snow builds up on the underside, I would go that nationwide provider and state "something is wrong with my alignment" They would then thaw my car out for free, and off I'd go, unitl next week.