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Home Insurance

Are Ice Dams Covered by My Homeowners Insurance?

If you own a home, you need to have homeowners insurance. This type of insurance helps ensure that you’ll be covered financially in the event of an emergency. However, not all emergencies are covered by all policies. Winter comes with a unique set of claims caused by harsh weather conditions. Here’s how you can see if ice dams, a common issue in colder climates, are covered by your policy.

What are ice dams?

An ice dam is a build up of ice on your roof that can lead to serious issues, like torn gutters and water that’s blocked by the dam flowing into your home. Fortunately, you can generally prevent them by safely removing snow from your roof. Insulating your attic can also help you avoid ice dams. However, once they build up, they tend to become dangerous for your home. 

Coverage under standard homeowners insurance policies

Homeowners insurance typically provides dwelling coverage for ice-related damage, which would include your roof and the parts of your home that become damaged by ice dam damage. However, it may or may not cover your personal property, ice dam removal or many of the other types of damage caused by ice dams. You’ll want to review your coverage and consider taking steps to protect your home if you’re in an area that’s prone to winter storm damage.

Factors affecting coverage

It’s safe to assume that some ice damage will be covered by your insurance if you live in an area where it’s common. However, what level of coverage you will have can vary. It’s important to review your home insurance policy, as well as any optional insurance coverage you buy, to make sure it provides the coverage you need. Check for exclusions and limitations. 

Steps to prevent ice dam damage

Even if your insurance covers damage caused by ice dams, prevention is always the best solution. Here are some tips for preventing ice dams:

  • Keep your roof and gutters free of debris throughout the year to prevent buildup
  • Safely remove the snow from your gutters when you see it starting to build up 
  • Be mindful of snow buildup on your roof, removing it when possible

If you live in an area with heavy snow, it’s likely that your homeowners insurance policy will cover damage caused by ice, including ice dams. However, the coverage may not take care of everything you need. If your homeowners insurance coverage is no longer working for you, shop policies from over 50 top-rated insurers today using Nsure. Be sure with Nsure!

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