I've never had snow damage to a shed, but I had one destroyed by hail. My homeowners insurance paid for a new shed and installation.
In all my experience with insurance and "Acts of God" ... insurance WILL pay for natural occurances that are not your fault, i.e., "Acts of God". What they WON'T pay for is damage caused by the policy owner's negligence ... for example, you never clean out your gutters, you let six inches of rust build up in the bottom of your hot water heater, you never repair your sagging fence, your pipes are 50 years old, etc. I guess every policy is different, but I've personally not heard of insurance failing to pay for weather related claims.
"We give dogs the time we can spare, the space we can spare and the love we can spare. And in return, dogs give us their all. It's the best deal man has ever made" - M. Facklam
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"All that is gold does not glitter, Not all those who wander are lost; The old that is strong does not wither, Deep roots are not reached by the frost. From the ashes a fire shall be woken, A light from the shadows shall spring; Renewed shall be blade that was broken, The crownless again shall be king." - J.R.R. Tolkien
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