Snow load coverage, or collapse of building coverage, may be available to any farm structure provided they are structurally sound and in a condition of above average quality.
Insurers will generally not offer coverage on hoop buildings (coveralls) unless they are fully enclosed and of a certain age.
“To ensure that proper coverage is in place it is always recommended that our farmers review their coverage with an insurance professional who can properly review their policy and recommend coverages that are appropriate,” said Benjamin Eastman, Senior Farm Consultant with Co-operators. “Some coverages include the snow load coverage within a base coverage offering and some insurers required that the coverage be added through endorsement.”
Managing snow loads on barn roofs
A resource from the Canadian Agricultural Safety Association (CASA)
Heavy snow buildup can strain barn roofs, leading to damage or collapse. Regular inspections, proper planning, and safe removal are key to protecting both workers and animals.
Steps for effective snow load management:
- Plan
- Identify hazards and gather necessary equipment.
- Develop inspection routines and Safe Work Procedures (SWPs).
- Train workers on safe snow removal techniques.
- Do
- Regularly inspect the roof and supporting structure.
- Assemble a trained removal team and assign roles.
- Use proper equipment to clear snow safely.
- Check
- Monitor snow accumulation and assess roof condition.
- Identify and document any damage.
- Make necessary repairs.
- Act
- Review the snow removal process with the team.
- Identify areas for improvement.
- Update SWPs as needed.
Key Reminders:
- Inspect and repair roofs before winter.
- Routine snow removal helps prevent structural failure.
For more information on managing snow loads, visit casa-acsa.ca.