Heavy snow puts Montreal roofs at risk – are building owners liable?

Building owners in Montreal are seeking assistance at a high rate due to concerns about the weight of accumulated snow on their roofs. However, Steve Grenier, vice president and chief estimator at Toitures Hogue, cautioned that building owners and managers could face financial consequences if insurers refuse claims due to negligence. 

According to Grenier, excessive snow accumulation can lead to roof damage or collapse and failure to take preventive action may result in insurers denying coverage.  

Toitures Hogue and other providers of roofing services are receiving hundreds of calls daily, averaging 10 per hour as recent snowfall has added significant weight, with 72.4 cm falling in just four days – an event not seen in 125 years. 

Insurance contracts often include provisions requiring property owners to mitigate risks. If an insurer determines that a collapse was preventable, coverage may be limited or denied. In cases of significant damage, this could result in substantial repair costs and potential liability claims from tenants or third parties. 

Jocelyn Hogue, president of Toitures Hogue, emphasized that early detection of structural stress is critical. He advised property owners to be proactive in snow removal to avoid disputes with insurers over liability. He also noted that insurers recommend hiring qualified contractors with valid civil liability insurance and a licence from the Régie du bâtiment du Québec (RBQ) to ensure compliance with safety standards. 

In 2019, roof collapses in Quebec led to fatalities and injuries, raising concerns about building safety and insurance responsibilities. With recent heavy snowfall and anticipated rainfall, experts warn that similar incidents could occur if preventative measures are not taken. 

Toitures Hogue has deployed mobile cranes, snowblowers, boom lifts, and other equipment to assist with snow removal. Hogue advised building owners to document maintenance efforts and consult insurers to clarify policy requirements. Taking preventive steps may help avoid coverage disputes and ensure financial protection in the event of structural damage. 

According to reports, about 48% of snow has been cleared in Montreal but more snow is expected later in the week. The city said it needs 10 more days to remove the snow, but garbage collection will resume this Monday to help with snow clearing.