A common claim occurring in the winter months is ice damming and with a little loss control - the potential of this happening to you is minimized.
This might be a good weekend to clean those gutters, if you haven't done so already.
Ice Damming: These 'dams' are just that, they are blockages of ice that can form just about anywhere on your roof and they prevent water from flowing off your roof. This water then begins to back up beneath your shingles.
Ice damming causes damage to drywall, wall paper, trim and even flooring. I have had a claim where the water traveled down some electrical conduit to a dining room light fixture. The water proceeded to drip onto a $10,000 dining room table. The homeowner was out of town for a few days and needless to say - the table was destroyed. Sometimes the entry of water into your home comes in behind the drywall and is not apparent - at least not until there's a major mold issue!
Call with questions.