Home insurance in Alaska starts with your policy and the cause you can point at. On the southcentral coast that cause is often wind off Cook Inlet, water forced back by an ice dam, or a supply line that froze in a crawl. Those are not one deductible story. Find the figure on your page and write the cause in plain words. Do not borrow a settlement from the next town.
Earth movement is a standing concern, and you ask that question of your own policy rather than folding a shifted chimney into a wind report. Snow load on a roof or a carport may sit on a different line from a sudden pipe break. Read what the page expects you to do after a loss. If you are renewing, compare declarations pages, not a story borrowed from a wetter region.
A dwelling limit copied from the purchase will not rebuild a house detailed for this cold. Boilers, thick walls, and a roof built for months of snow are part of the building you have. Belongings and loss of use matter if the house cannot be slept in. A garage that fails while the house stands is its own line. Say which structure was hit.
Freeze claims ask whether heat was maintained. A house left dark through the long winter is not an occupied house with a sudden break. Water from the eave is not water from a split line in the crawl, and the pictures should show the path. If surface water is what entered, ask whether that sits outside the policy you hold. Keep the causes in separate sentences when you call.
Say claim or renewal, the town, and the deductible you have now. Say wind, ice-dam water, freeze, snow load, or a shake, and do not stack them. Bring the page. Name a house that was left unheated if that is the freeze you have. The next dark month will not make the paperwork clearer. Call the number on this page.