Written by Andy Gurczak

April 7, 2022

Handling an Ice Dam Damage Insurance Claim

Unfortunately, areas of the country that face long, cold winters also face hazards from snow and ice. For instance, melting snow during the day can lead to icy sidewalks at night. Several feet of fallen snow can cause roof collapses on buildings. Additionally, a ridge of ice on a roof can mean an ice dam damage insurance claim.

What is an Ice Dam?

An ice dam occurs when snow accumulates on a roof. However, the edge of the roof may be colder than the rest of the roof. As a result, an ice dam forms along the roof’s edge.

The ice dam blocks melting snow from reaching the gutter. Consequently, the melting snow then adds to the size of the ice dam as it freezes

As the ice dam grows in size, the weight of the dam can cause a roof collapse.

Alternatively, the ice dam could break up, falling off the roof. In the event that happens, personal property of the homeowner on the ground near the roof’s edge can be damaged.

Does Homeowners’ Insurance Cover Ice Dam Damage?

Well, a standard insurance company policy covers damage caused by the “weight of ice and snow.” However, the term “ice dam damage” is typically not mentioned in a homeowners’ policy. Nevertheless, insurance companies will cover some, but not all, damages caused by an ice dam.

For instance, if the ice dam causes a roof to collapse, the insurance company will cover the cost of repairing the roof. In addition, if the roof collapse results in melting snow and ice falling into the house or down the walls, homeowners’ insurance covers the resulting water damage to the home and its contents.

If your home frequently gets ice dams during the winter, check with your insurance agent about ice dam damage coverage.

What Ice Dam Property Damage Claims Are Denied?

As has been noted, an ice dam could break apart on the roof. As a result, large chunks of ice could fall to the ground. However, homeowners’ policies will not cover ice dam damage to fences, patios, foundations or swimming pools.

How Do You Prevent Ice Dams?

There are a few steps homeowners can take to prevent ice dams from forming.

First, keep your gutters clear of leaves, branches, etc.

Second, check your attic insulation. Is it uniformly installed in your attic? Moreover, are there any leaks in your roof that would let warm air out to melt snow on the roof?

Third, invest in a roof rake. That will allow you to keep the lower area of your roof and gutters free of snow and ice.

Does Homeowners’ Insurance Cover the Cost of an Ice Dam Removal?

If the ice dam damages your roof, the insurance company will pay for the repair of your roof. Certainly, the company would also pay for the removal of any remaining ice on your roof.

However, if you have an ice dam on your roof that has not caused damage, the company will not pay to remove snow and ice from your roof.Therefore, you will have to remove the ice dam yourself (calcium chloride is safe to use on a roof) or hire a professional to do so.

If You Need a Public Adjuster to Help You with an Ice dam Damage Insurance Claim, Call AllCity Adjusting

We are a family-owned claims company with five decades of combined adjusting experience. Consequently, if there’s one thing we understand, it’s that you need 100% of your claim value.

Notably, insurance companies undervalue your claim 8 out of 10 times. Moreover, they hire expensive claims adjusters to ensure they maintain a strong profit margin. In addition, they have experienced actuaries that help their team of agents challenge your insurance claim’s validity and value.

We Can Help You File and Settle an Ice Dam Damage Insurance Claim

Certainly, having an ice dam damage claim can mean extensive damage to your roof. And at AllCity Adjusting, we are experts at handling roof damage claims.

At AllCity Adjusting we work to ensure you get 100% of your claim value. With over 50 years of combined adjusting experience, we know insurance companies and understand where they cut corners. Therefore, we help you build a larger claim and maximize your claim value. In short, we’ll get you back to normal fast.

Finally, don’t get fooled, get the company that gets you more. Call us today at 844.692.3587 or visit ourwebsite to find an office near you.

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At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.
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Salvageable v. Non-Salvageable Property After a Fire

Salvageable v. Non-Salvageable Property After a Fire

If a fire has occurred at your home, your first concern, of course, is the safety of yourself and your family. However, depending on the extent of the fire damage, you will have to resolve the issue of salvageable v. non-salvageable property after a fire. Homeowners’ insurance protects your home itself (Dwelling Coverage) and its contents (Personal Property Coverage). High heat, smoke, and soot can cause extensive damage to your personal property, such as clothes, furniture, hardwood floors, and appliances. For instance, smoke damage causes fabrics, clothes, and soft goods to reek of the smell of smoke. Additionally, smoke and soot can discolor objects and reduce the life span of electronics and machinery. Consequently, you and your insurance company will have to determine which personal property is salvageable v. non-salvageable property after a fire.

Actual Cash Value v. Replacement Cost Value

Actual Cash Value v. Replacement Cost Value

Many homeowners never read their homeowners’ insurance policy. Then a covered loss, like a fire or hurricane, causes extensive damage to the home and contents. Of course, the homeowner files a claim with her insurance company. Eventually, the homeowner gets a claim settlement offer from the home insurance company. However, only then does the homeowner learn the difference between actual cash value v. replacement cost value coverage.

What is an Appraisal Clause in an Insurance Policy?

What is an Appraisal Clause in an Insurance Policy?

Water damage insurance claims are some of the most frequent home insurance claims that homeowners file. However, homeowner insurance does not cover all types of damages caused by water. Therefore, handling water damage insurance claims requires the homeowner to be careful and diligent before and during the claims process.

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Unfortunately, a terrible storm moved through your area. It left fallen trees and damaged homes in its wake. Your house was one of them. You have never filed a claim with your homeowners’ insurance company. But you now have a homeowners’ property damage claim-do you need an attorney?

How to Negotiate a Fire Damage Insurance Claim

How to Negotiate a Fire Damage Insurance Claim

One of the most traumatic events experienced by homeowners is a fire in their homes. Certainly, the potential for serious injury can be significant. However, the relief that no one was harmed soon fades away as the reality of the property damage sinks in. Now, one key question for the homeowner will be how to negotiate a fire damage insurance claim settlement.

Insurance Claims for Poorly Installed Stucco

Insurance Claims for Poorly Installed Stucco

Stucco is a popular siding used on new developments, homes, and businesses since the early 1900s. Manufacturers make it of cement, limestone, and silica. In fact, it has become very popular in the last 20 years. However, when not installed properly, it can lead to several problems. Therefore, some homeowners will have to file insurance claims for poorly installed stucco.

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