Analysis brought to you by FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to learn how to find answers to YOUR coverage questions — click here! Question: I have a claim in Wisconsin in which the insured's garage roof is sagging and one of the walls is bowing out. They did have heavy snow load on the roof, and that is believed to be the cause of the sagging and the bowing. The garage is still in use and can be used for its intended purpose. The garage door opens and closes. The insured did put a brace on the wall but there are no signs it was in danger of falling down. This is insured on an HO-0003 10-00. I do not believe it would be considered a collapse based on the definition of a collapse in the policy. I am debating whether it would be covered since weight of ice and snow is a covered peril on the policy. However, on page 9 of 22 it states: "We do not insure, however, for loss (to)... freezing, thawing, pressure or weight of water or ice, whether driven by wind or not, to a footing, foundation, bulkhead, wall, or any other structure or device that supports all or part of a building, or other structure." In researching the definition for snow, it is defined as the freezing of water into small ice particles. So I do believe that snow falls under the definition for 'ice' here. Do you believe this exclusion would eliminate coverage for the bowing of the wall and sagging of the roof, since the garage is not in a state of collapse?— Illinois Subscriber