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.

free claim review

Best way to beat the insurance company is to hire AllCity Adjusting

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.
public adjusting call support

Real Support When You Need It!

Should You Make Your Own Insurance Claim Repairs?

Let’s say you had a small fire in your home. Faulty electrical wiring caused the fire. Of course, someone will have to tear down parts of the wall where the fire started. Then someone will have to hang new sheetrock and paint it. You’re pretty handy around the house. You’re thinking, should you make your own insurance claim repairs? Is there any way to get your insurance claim check faster?

What Are Some Common Business Insurance Claims?

Certainly, almost all businesses, from large corporations to mom-and-pop stores, will probably face some type of accident or incident that will become an insurance claim. Below we will discuss some common business insurance claims that businesses across the country must confront.Is there any way to get your insurance claim check faster?

How Does Home Repair Insurance Work?

How Does Home Repair Insurance Work?

Homeowners’ insurance will cover damage from unexpected and sudden perils, like hurricanes, fires, and hail. However, it excludes insurance coverages if the damage stems from everyday use and wear and tear to appliances, HVAC systems, etc. Therefore, if you feel you need insurance coverage for those items, you need to know the answer to the question: how does home repair insurance work?

How to File a Roofing Insurance Claim

How to File a Roofing Insurance Claim

Your roof is the primary protection for your home from the elements. Of course, the wind is probably the most dangerous element to your roof. However, roofs also get damaged by falling trees, electrical poles and wires, hail, and heavy snow. If a storm or some other unexpected event damages your roof, you will have to know how to file a roofing insurance claim.

How to Get Flood Insurance

How to Get Flood Insurance

Homeowners’ insurance protects homes from damages caused by fire, hurricanes, windstorms, and other natural disasters. However, standard homeowners’ insurance does not cover damages caused by floods. Consequently, homeowners and renters who live in a high-risk zone for flooding need to know how to get flood insurance.

commercial mold cleanup and restoration

commercial mold cleanup and restoration

If you have found mold in your business, you should be concerned. For instance, properly removing mold can be expensive and difficult to do correctly. Mold in your business can be dangerous for your health, and that of your employees, customers and visitors. However, commercial mold cleanup and restoration is necessary if you want to keep operating your business.

Stay Up to Date With The Latest News & Updates

Don't Wait - Get More

Get a free 1 hour consultation on your next call. So call today and challenge the insurance company narrative on your policy claim. We can help you with all your public adjuster claims support. Let us help you get more.

public adjuster service areas background

Join Our Newsletter

Do you want to learn more about public adjusting. In this newsletter we create helpful tips and hints and you will receive notifications when we post new articles.

Follow Us

Follow us on the following social networks.

Call Us Now