will homeowners insurance cover damage from ice heave from lake

Whether or not your homeowners insurance will cover damage from ice heave from a lake will depend on your specific policy and the circumstances of the damage. Ice heave occurs when ice on a body of water expands and contracts due to fluctuations in temperature, causing the ice to shift and push against structures on the shoreline. This can result in damage to homes, docks, seawalls, and other structures in the area. In general, standard homeowners insurance policies typically cover damage caused by "perils" such as fire, wind, hail, lightning, and water damage. However, coverage for damage from ice heave may vary depending on the policy and the cause of the damage. If the damage was caused by an event that is covered under your policy, such as a windstorm or water damage, then you may be able to file a claim for the damages. However, if the damage is a result of gradual wear and tear or lack of maintenance, then it may not be covered. It is important to note that homeowners insurance policies can vary widely in terms of coverage and exclusions. Some policies may include coverage for damage caused by ice heave, while others may specifically exclude it. It is always a good idea to review your policy carefully and speak with your insurance agent to understand what is and is not covered. In summary, whether or not your homeowners insurance will cover damage from ice heave from a lake will depend on the specific terms and conditions of your policy and the cause of the damage. If you have questions or concerns about your coverage, it is always a good idea to speak with your insurance agent to understand your options.