If it snows where you live, be wary about the formation of ice dams on your roof. This happens when the heat inside your home causes water to melt in the middle of your roof. The water then refreezes near the edges, forming a dam that prevents melting snow from draining off the roof. The water that backs up can leak into your home and damage ceilings, walls and other areas of your home. To prevent ice dams from forming, insulate your attic to keep heat from rising and reaching the roof.
An insurance policy may or may not cover the costs associated with water damage and the process of water damage restoration. While a common cause of residential water damage is often the failure of a sump pump, many homeowner's insurance policies do not cover the associated costs without an addendum which adds to the monthly premium of the policy. Often the verbiage of this addendum is similar to "Sewer and Drain Coverage".