Ohio Farm Bureau hosts statewide CAUV update webinar
The Statewide CAUV Update Webinar explained more about the recent changes in CAUV and what could be next for the program. Watch the recording.
Read MoreThe following information is provided by Nationwide, the No.1 farm and ranch insurer in the U.S.*
When heavy snow meets fierce winds, even the best engineered buildings can collapse. That’s why it’s important to calculate your roof load and be adequately insured for this type of situation.
How snow load can damage your buildings
Snow load is the downward force on a building’s roof by the weight of accumulated snow and ice. The roof or the entire structure can fail if the snow load exceeds the weight the building was designed to shoulder. Or if the building was poorly designed or constructed.
It doesn’t take a blizzard to cause problems. An imbalance of drifting snow can cause one part of a roof to give, causing a domino effect.
How much snow is too much?
Calculating the roof load on your barn takes more than an educated guess. The University of Wisconsin Cooperative Extension Service says that a ballpark estimate of roof snow load can be made with the following formula:
Calculated Roof Loading (lb/ft2) = Depth (ft) x Density (lb/ft2 /ft depth). The approximate density (lb/ft2 /ft depth) is:
For example, a roof with 3 feet of light snow has an estimated roof load of 60 pounds per square foot (3 ft depth X 20 lb/ft2/ft depth density = 60 lb/ft2).
You should know the roof weight limits for your barns and outbuildings. If necessary, rebuild or fortify them to withstand worst-case scenario snow loads and meet local building standards.
Removing snow
Some failures can be prevented with careful snow removal. The University of Wisconsin Cooperative Extension Service offers the following suggestions:
Insurance checklist
A few minutes can give you reassurance during a heavy snow winter. Check with your farm or ranch insurance agent to:
*A.M. Best Market Share Report 2019. Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company.© 2021 Nationwide.
The Statewide CAUV Update Webinar explained more about the recent changes in CAUV and what could be next for the program. Watch the recording.
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