In 2021 winter storms accounted for $15 billion insurance losses. Most of the losses were due to winter storms that affected the area of Texas that year, and the main reported damage was to the roof. Heavy snow, rain, ice buildup, and harsh winds can eat away at any roof, especially one not made to withstand that weather or is aged and due for replacement. The damage can range anywhere between a few drops of leakage here and there and a total collapse of the roof structure. Here are some of the main culprits for roof damage in winter.