Home insurance in Cleveland is your policy, your deductible, and a claim the lake keeps offering. Snow load, an ice dam that wets plaster, wind off the water, and a burst pipe in an outside wall are not one loss. Ice and wind may sit on a deductible you do not use for a slow kitchen leak. Water that enters at the foundation or backs up a drain is often a different page from a sudden pipe break. Have the declarations if you can find them.
Doubles, brick houses, and tall chimneys do not rebuild like a simple new box. A dwelling limit copied from an old purchase can lag what it takes to put plaster, a porch roof, and a chimney back. Say if that limit has sat still while the roof changed. Do not assume a wet basement is included because a roof leak once was. Flood off the lake and seepage through a wall are easy to blur in conversation, so separate them with the words on your page.
If you can move safely, see whether water is still coming from an ice dam or from a pipe in an outside wall. Shut the main if the burst is the source and the valve will turn. Take pictures from a dry stair, not the snowy yard. Do not drag plaster out while the pile is still down. On a double, say which floor is wet.
The thaw after a long bury is when hidden damage shows up in a rush. A new stain, a ceiling bubble, and wet trim are reasons to call before the next squall locks the water in the wall. Bring the address, what failed, and the deductible you remember. If you are setting up or changing a policy, say what the dwelling portion needs to do on a house that carries real snow. Ask yourself whether flood even belongs on this lot.
Do not strip the room, do not climb an icy porch, and do not fold ice, wind, and backup into one deductible. Cleveland is not an inland melt. Describe the lake loss you have. Call the number on this page.