[Belmont Resident]

I drive around parts of the lake all winter and see many homes that are left unplowed because they do not get used at all during the off season. I've often wondered if that would become a problem if something happens and emergency vehicles cannot get any closer then the road. Some of these homes are set pretty far back off the roads.
Could the insurance company refuse payment for the homeowner not keeping the area open in case of a fire?
From an emergency access prospective it makes total sense for the bank to want to have proof that the road will be passable to all forms of emergency vehicles.