Ice dams can be costly. Ventilate & insulate!


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.”

This IIBHS infographic offers a visual for how ice dams are formed. They offer tips for reducing your risk of ice dams: Preventing Ice Dams on Homes.

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: What’s Covered; What’s 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.

Travelers: How to Identify and Help Remove an Ice Dam

This Old House: Preventing Ice Dams

Housing Technology from the University of Minnesota Extension: Ice Dams

Building and Construction Technology, UMass Amherst Department of Environmental Conservation: Preventing Ice Dams

Winter Pet Care


winter pet care - photo of dogs in a blanket

Here in the frigid depths of January, sometimes all you want to do is hibernate. Just pile the pets on the bed, throw the covers over your head, and snooze until spring. But people (and their pets) aren’t wired like bears and chipmunks: we can’t hibernate, even though the prospect sounds so appealingly cozy. We still have to go to work and the doggos still need to be walked.

Here are some tips to get you and your pets through the freezin’ season:

  • If it’s too cold for you, it’s too cold for them. While some breeds of dogs and cats are well-prepared for cold weather, most are not. Limit their time outdoors. Make sure short-haired breeds and smaller animals (who tend to lose body heat more quickly) have a warm coat on in addition to their natural protection.
  • Booties! Is there anything funnier than a dog doing the Big Shoe Dance the first time she is introduced to winter footwear? But beyond being able to laugh at your pet’s wounded dignity, booties serve two vital purposes: they protect tender paw pads from icy sidewalks and they prevent animals from licking road salt and other harmful or even poisonous chemicals (like antifreeze and other de-icers) from their paws.
  • No baths, please! Cats are remarkable self-cleaning little critters. Dogs… not so much. But unless your dog has been rolling in something stinky, try to hold off on the baths during winter. The oils that accumulate in their undercoat are great insulators, and stripping them off with soap leads to one shivering and miserable pupper. If you absolutely must wash your dog, make sure she’s thoroughly dry before letting her outside. Be aware that the last part to dry is the fur closest to the skin, and that’s the bit that most needs to be fully dry to offer the best protection from the elements. Wet fur on a cold day is no fun at all.
  • Make sure your pet has a warm bed, and thoroughly towel them off with a clean dry towel when they come back inside. Nobody wants to curl up for a post-walk nap with wet hair!
  • If your pets live outdoors, make sure they have a safe, warm, dry space to retreat to when the winter winds are howling. Consider using heat lamps in the barn or garage and put down warm bedding (or better yet, a raised and insulated platform) to keep your beasties snug and warm when it’s icy out.

If you follow these simple rules, your pets will stay safe and happy during the cold months. Keep your pets in tip-top shape by staying up to date with vet visits. And look into pet insurance – an affordable pet insurance policy can be a real blessing in the event of an accident or emergency. Contact your local independent insurance agent today to ask about pet coverage.

Fire up that snowblower – don’t wait until the first storm hits


We had our first snowfall of the season yesterday … OK, depending on where you live, it was only a few wimpy flakes. But take it as Mother Nature’s gentle advance warning: Winter is on it’s way – get your snowblower ready.

If you have a snowblower, take it out of storage now and test it out – you don’t want to get caught short in the first storm. Popular Mechanics has some tips for how to start your snowblower – including some tips for blowers that are stubborn about starting.

If you don’t have a snowblower, but you have one on your Santa wish list, this video offers  snowblower buying guide tips from Consumer Reports. It’s interactive so you can skip to different chapters. Learn about which type of snow blower best suits your property. The video breaks down what you need to know about size, power source – gas, battery or electric -, key features, trouble shooting, maintenance and how to ensure a smooth start-up each season.

Operating your snowblower safely

Every year, emergency rooms see about 6,000 injuries related to snow blower accidents, many of them amputations. Experts say that most snowblower injuries occur when snow is heavy, wet and deeper than 6 inches – those are conditions that lead to clogging in snow removal machines. Most injuries are hand injuries to the dominant hand.

Whether you are operating a snowblower for your home or your business, the Outdoor Power & Equipment Institute (OPEI) urges you to operate your snow blowing equipment safely. They offer a great list of tips for preparing your machine before it snows, and the following snow blowing safety tips:

  • KEY SAFETY TIP: Never put your hands inside the auger or chute. Use a clean out tool (or stick) to unclog snow or debris from your snow thrower. Your hands should never go inside the auger or chute.
  • Turn OFF your snow thrower if you need to clear a clog. If you need to remove debris or unclog snow, always turn off your snow thrower. Wait for all moving parts to come to a complete stop before clearing any clogs or debris.
  • Only use your snow thrower in visible conditions. Never operate the snow thrower without good visibility or light.
  • Aim your snow thrower with care. Never throw snow toward people or cars. Do not allow anyone to stand in front of your snow thrower. Keep children or pets away from your snow thrower when it is operating.
  • Use extreme caution on slopes and hills. Use caution when changing directions on slopes. Do not attempt to clear steep slopes.
  • Know where your cord is. If you have an electric powered snow thrower, be aware of where the power cord is at all times. Avoid tripping. Do not run over the power cord.
  • Keep pets and children inside. Kids and pets may love to play in the white stuff, but it’s best to keep them inside your home and under supervision while you are using your snow thrower to clear a path or drive. Do not allow them to play in the snow as it is tossed out of the snow thrower’s chute.

If you like to remove your snow the old-fashioned manual way, be sure to see our prior post on Snow shoveling 101: Best shovels, best techniques.

Snow shoveling 101: Best shovels, best techniques


OK, New England – go find that shovel in the back of the garage and get ready for a little Snow Shoveling 101. Did you think we’d get away with little to no snow this season? Some of the region’s biggest storms on record happen in February and March. Weather.com shows that of the top 10 Boston snow accumulations, 7 occurred in these two months.

So buckle down, folks – Punxsutawney Phil did not see his shadow last week, so we may have a way to go until Spring. Today into tomorrow, most of central New England will get at least some snow accumulation, ranging from a dusting in the north to as much as a foot in Southern New England. And just in case you got a little rusty since last year, we have some tips, tools and techniques to get you back in shoveling shape. Even if you are a Jedi master, some of these expert tips should kick things up a notch.

First, the tools of the trade: Check out this brief clip on the 5 Best Snow Shovels from Consumer Reports.

For more thoughts on selecting the right tool, see Popular Mechanics: Which Snow Shovel Is the Best?

For technique, we point you to:

And last but not least, we love this guide from Fix.com on Clearing Snow Safely and Efficiently – it’s got some great tips and this handy infographic summary – click for larger view.


Source: Fix.com

Snowmageddon: Is your roof at risk of collapse?


After the unprecedented series of record-breaking snowstorms, we’re hearing some reports of roofs collapsing under the weight of the snow. One of our insurance partners, The Hanover, posted this persuasive graphic on their Twitter feed comparing the cost of a roof replacement vs a roof rake.

roof-rake

That’s pretty convincing, but how do you know if your home or business is at risk? The Insurance Institute for Business & Home Safety has a great infographic (below) along with an informative post on Four Steps to Identify and Address Roof Risks from Heavy Snow – it offers tips for how to identify and assess your risk and how to address problems safely. It’s well worth a read, particularly since forecasters say there may be more snow in our future this week!

This has got to end someday, right? When it does, keep this resource handy:
Responding to Flooding When Snow and Ice Melt

Snow-Roof-Risks_IBHS1