New Hampshire changes house by house as soon as you leave the Merrimack and climb. Seacoast towns from Portsmouth to Hampton take salt wind off the open Atlantic. The Lakes Region is full of camps that became year-round houses, with wells, septic, and pipes in walls that were meant for August. The White Mountains pile snow on steep roofs and leave it there. The valley towns sit in between, older and closer together, but they are not the mountains and they are not the beach.
A cedar-shingle cape on the Seacoast fails at the fasteners and the sills. A lakes camp fails at the crawlspace and the well when someone tries to heat it in January. A mountain house fails under the weight and the ice at the eaves. Those are three different calls, and a single story about winter covers none of them. Ledge is under a great many yards. Oil heat and wood stoves still share basements. Say which landscape your foundation sits in.
Humidity off the lakes and the ocean swells wood in summer. The mountains then deliver a colder, drier freeze that is hard on slate, flashing, and anything that holds water. Villages in the north have long drives and fewer chances to get materials in after a storm. Southern valley streets are tighter and older. The trade has to fit the access as well as the leak.
If you are calling about a policy, bring the deductible and say whether this is a claim or a question about what the pages cover. A snow-load collapse and a slow leak from worn flashing are not the same story. Flood along rivers and the coast is often outside a standard homeowners policy. Wind on the Seacoast may sit on its own deductible. Know which of those you mean.
Name the region, the town, and the building. Roof, windows, bath, heat, pests, pipes, the yard, or sun equipment on a roof that may not carry it. Have the actual failure in mind, not a statewide weather report. Pick the trade and call.