Keep in mind that even if your homeowners insurance covers sidewalk injuries, your insurance company may not accept a claim if they determine that you knew your sidewalk posed a hazard and you ignored the risk. On the other hand, homeowners have successfully argued in court that they were not liable for injuries because they followed the legal requirements and shoveled within 24 hours of the storm. 


Please bear in mind that this article is not a substitute for legal advice.  Consult with a competent local lawyer to learn more about your liabilities.