Here in the Northeast, one common and costly headache for homeowners is the problem of ice dams. Are ice dams something that could happen to your home? Here’s a quick summary of the conditions that lead to ice dams: snow buildup on the roof + heat loss from the home + freezing temperatures. The Insurance Institute for Business & Home Safety (IIBHS) explains it this way:
“During freezing weather, heat from your home or business can escape through your roof and melt snow on your roof. The snowmelt can then trickle down to the roof’s edge and refreeze, creating an ice dam that leaves additional snowmelt with no place to go but possibly under your roof.”
We have a pretty good prior post on the topic: Ice Dams 101: How to handle winter roof hazards. In that post, we talk about how the unsightly icicle buildup is a symptom of a more serious underlying problem that can lead to water damage, rot, mildew and mold. We talk about the importance of a two-fold strategy for dealing with ice dams:
- First, you need to get rid of the ice dams and minimize the immediate damage.
- Second, you need to diagnose the underlying problem and take steps to prevent ice dams from forming.
If you have damage to your home from ice dams, you’ll want to contact your insurance agent to report a claim. The Insurance Information Institute explains whether ice dam damage is covered by your insurance policy in their article, Water Damage: Whats Covered; Whats Not. They offer this helpful summary:
“Generally speaking, water that comes from the top down, such as rainfall, is covered by a standard homeowners insurance policy, while water that comes from the bottom up, such as an overflowing river, is covered by a separate flood insurance policy.”
Resources for preventing ice dams
Here are some of the best resources we’ve found to help you learn more about how ice dams happen and how to prevent them from occurring:
Liberty Mutual: Ice dams – tips for preventing ice dams and a series of three excellent videos: Causes, Combats and Cures. These offer detailed explanations about how ice dams form and conditions that lead to them along with methods to combat and correct the problem with insulation and ventilation.