Insurance Claim Documentation
88 Wilderness Lane
Norway, Maine 04268
American Modern Property and Casualty Insurance Company
Coverage A Limit
$500,000
Dwelling
Estimated Claim
$150K–$318K
Within Coverage A
Primary Peril
Peril 11
Weight of Ice & Snow
Ice Dam Size
12+ Inches
At Roof Eaves
Executive Summary
On February 16, 2026, a professional contractor (Roof Shovel Maine) was immediately dispatched to 88 Wilderness Lane upon discovery of massive ice dams exceeding 12 inches in thickness along the roof eaves of this log cabin property. The property had been actively rented and continuously heated throughout the winter season.
The primary cause of loss is structural damage from the weight of ice and snow (Policy Peril 11). The extraordinary ice accumulation — the result of record cold temperatures in late January followed by a rapid warming event February 19–22 — placed extreme structural stress on the roof, causing visible sagging. The subsequent water intrusion into the structure is an ensuing loss directly caused by this structural failure.
Water entered the log cabin through multiple penetration points, damaging interior walls, ceilings, flooring, and critically, electrical outlets — creating a documented safety hazard. The cleaning service independently reported “whole water side of the house” was leaking. Nor’easter Winter Storm Hernando (Feb 22–24) added 6–8 additional inches of snow to the already compromised structure.
Coverage Analysis
❄️ Peril 11: Weight of Ice, Snow or Sleet
Structural damage to roof — $500,000 limit
💧 Water Intrusion from Structural Failure
Interior damage as direct consequence
Total Coverage A Limit
$500,000
Claim estimated within limits
Claim Evidence Sections
Photo Gallery
13 photos organized by category: Structural Damage, Interior Water Damage, and Mitigation Efforts.
13 PhotosEvent Timeline
Chronological record from Jan 23 accumulation through Feb 25 mitigation, showing storm events and damage progression.
Feb 16 – 25Weather Data
Temperature records, storm correlations, and NWS alerts showing the Feb 19–22 rapid thaw and Nor’easter.
Storm HernandoDamage Summary
Detailed cost estimates by category. Total claim range $150,500–$317,900 within Coverage A ($500,000 limit).
$150K–$318KDocumentation
Contractor records, rental occupancy history, heating proof, and supporting documentation.
Contractor + Rental RecordsKey Evidence Facts
Supporting the structural damage claim under Peril 11
Ice dams measured over 12 inches thick at roof eaves
Roof sagging documented from weight of ice and snow load
Water intrusion through electrical outlets — safety hazard
Independent cleaning service documented “whole water side of house leaking”
Professional contractor (Roof Shovel Maine) engaged Feb 16, immediately
Continuous heating maintained — no heat failure or freeze exclusion applies
Record cold Jan 23–Feb 8 (2nd coldest on record for the region)
Nor’easter (Winter Storm Hernando) added 6–8 inches of snow Feb 22–24