Frozen Pipes Aren’t Your Only Homeowner Insurance Concern

Winter weather for some of us is a magical time to embrace the snow on the ground, play with kids, and helps get us into that holiday spirit. For others, it can be quite the nuisance. Although that first beautiful, magical snowfall is enticing at first, once it melts it can become a real dilemma.

Ice damming is a very common claim amongst insurers during this time of the year. An ice dam is a ridge of ice that forms at the edge of a roof and prevents melting snow (water) from draining off the roof. The water that backs up behind the dam can leak into a home and cause damage to walls, ceilings, insulation and other areas.” [1]

Ice dams can be a tumultuous problem to deal with. In addition to causing mold, they can damage attic insulation, ceiling and interior walls, roof/shingles/siding, and structural framing.

How can you prevent ice damming? You can hire a professional to remove large snowfalls and ice, regularly remove snow from your roof, make sure your house is properly insulated, sealed and ventilate and keep gutters clean.

Water and other damage from ice dams are covered by insurance, as are problems caused by the weight of snow and ice on a roof. Insurance will not cover the cost of removing ice dams.

While these claims are typically a few thousand dollars each, extensive damage can cause larger claims.

It is important to note that with the fall of temperatures, ice damming will become more prevalent, and could happen to you! Ensure that you are taking all of the right precautions to prevent this type of claim.