“In America the ice-storm is an event. And it is not anevent which one is careless about. When it comes, the news fliesfrom room to room in the house, there are bangings on the doors,and shoutings, 'The ice-storm! the ice-storm!' and even the laziestsleepers throw off the covers and join the rush for the windows.”–Mark Twain, Following the Equator

Of course, in modern times, the news of an ice storm arrives–long before the first speck of frozen waterappears–via the endless scroll across the bottom of the TV screen.Now if only a scroll explaining the insurance issues resulting fromice damage appeared.

Enter FC&S. We receive numerous and variedquestions regarding ice, from ice causing things to fall, to thingsfalling through ice. For instance, one subscriber explained that acarrier was coding ice losses resulting from tree branches breakingoff and damaging homes as water losses. They then applied a water loss surcharge. Thesubscriber thought the cause of loss should be falling objects orthe weight of ice and snow, and not water. If ice melted and seepedinto a dwelling then it might make sense, but not this.