Ice Dam Insurance Claims

Ice Dam Insurance Claims

Ice dams can form on the roofs of homes and commercial properties alike and is a leading cause of water damage in the winter months. “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 cause damage to walls, ceilings, insulation, and other areas.”[1]

To mitigate damages against ice dams be sure to regularly remove snow from your roof via a roof rake or by hiring a professional snow removal service. Also, make sure your property is properly insulated, sealed, and ventilated.

Ice dams can damage:

• Attic insulation
• Interior walls and ceilings
• Mold, mildew
• Paint (blisters and bubbling)
• Recessed lighting
• Roofing
• Shingles
• Siding
• Structural framing
• Window casings

Coverage for this type of loss will vary depending on your insurance company and your specific policy. If your property is damaged due to an ice dam, be sure to contact your insurance agent right away. However, as a policyholder it is important to protect your property and to mitigate against further damage; especially since routine maintenance can help you avoid an ice dam situation altogether.

First and foremost, be sure to only make temporary emergency repairs as your insurance company will need to inspect your property and determine permanent repairs thereafter. Second, keep a consistent record of any damages by taking photographs and also hold onto all receipts related to ice dam expense costs as you may be able to be reimbursed.

Ice dams can cause extensive damage to both the exterior and interior of your property. Be sure to take the necessary steps to prevent this type of damage, and if it does occur, respond quickly.

For additional reading:

• “Winter Storm Preparedness Checklist”
• “Surviving a Winter Storm: What to do Post-Disaster”
• “Winter Weather – What Will Your Property Insurance Cover?”