How the estimate works
The calculator multiplies depth by a typical density for the snow type you pick, then adds the weight of any ice layer. Densities are rough averages: fresh powder can be lighter than 7 lb/ft³, and late-season snow soaked by rain can be heavier than 21 lb/ft³. Drifts against walls, parapets and lower roofs can be far deeper than the average depth you measure.
Why it matters for a claim
Collapse and snow-weight damage are often covered perils under property policies, but insurers look closely at whether the damage came from the weight of snow and ice or from deterioration, poor design or old repairs. A dated record of the snow depth, the type of snow and the date of any sagging or cracking can help when the cause is debated. See our snow load and roof collapse appraisal page for how those disputes are valued.
Questions about this calculator
What design snow load does my roof have?
It depends on where you live, when the building was built and how it was designed. Building plans, your municipality or a structural engineer can tell you.
Is roof collapse from snow covered?
Many property policies cover collapse caused by the weight of snow or ice, subject to their own conditions and exclusions. Read your policy’s collapse provision.
Should I rake snow off my roof?
A roof rake used from the ground can reduce load near the eaves and help with ice dams. Avoid climbing onto the roof.