Snowfalls and low temperatures cause significant damage to homes in Romania, and optional insurance can cover the costs of repairs and compensations.

Heavy snowfall and low temperatures in Romania cause considerable annual damage to homes, with damages often exceeding 30,000 euros. The weight of the snow can lead to the collapse of roofs, while melting snow causes flooding.

Homeowners can be held liable for damages caused to third parties, such as accidents caused by falling branches. Optional home insurance is essential to cover repair costs and compensation. It complements the mandatory PAD policy and provides extended protection against various risks. UNSAR recommends that homeowners take preventive measures, such as clearing snow and checking installations, to reduce risks during the winter season.