Homeowners in snowy climates know that the likelihood of ice dams on their roofing is high. While there are ways to protect your home against the effects of ice dams, keep in mind that early prevention trumps removal. But if it has already formed and made its way inside your home, you may be wondering what your insurance will and won’t cover. Here’s what you need to know about ice dam removals and insurance coverage.

What Are Ice Dams?

An ice dam is a ridge-like buildup of melted snow that forms at the edges of your roof, preventing water from draining off effectively. As the snow melts and repeatedly freezes to create higher, wider dams, water pools behind them and seeps through the shingles, eventually leaking inside your home. Clogged gutters can also result in ice dams as melting snow builds up inside them and refreezes.  

How to Prevent & Fix It

Ice dam removal is best left to the professionals because of the safety risks involved. As a homeowner, you can reduce the formation of ice dams by clearing away snow from your roofing with a rake or using de-icing pellets or roof salt products to thaw the ice. You can also have your insulation and ventilation in your attic checked and improved before winter arrives. 

Why Insurance Coverage is Selective

Large ice dams can lead to large roof leaks, which may cause severe damage to your home’s drywall, paint, wiring, carpet, flooring, and furnishings. Keep in mind that your homeowner’s insurance may only cover the property damage caused by leaks and not the cost of ice dam removal. Read your policy carefully to determine what you are covered for.

Homeowners who have dwelling coverage can usually get more comprehensive help with the repair costs of ice dams and other natural hazards like hail, lightning, and wind. But dwelling coverage has limits too; it doesn’t cover damage to personal property, nor does it cover property you don’t actually live in. 

Even after taking preventative measures, your roof might still develop ice dams in winter. For quality roofing services, including ice dam removal and roof inspection, rely on the professionals at Action Roofing Services in Anchorage, AK, and their more-than-30 years of providing outstanding workmanship. To schedule an appointment, call (907) 677-6969 today or send a message online for service details.