Ice dams are problematic for homeowners. Created by the accumulation of melting ice and snow, ice dams can wreak havoc on your roof. Ice dams can lead to water leaks and damage your roof, which could leave you at the mercy of your insurance company.
Are Ice Dams Covered by Home Insurance?
In theory, your home insurance exists to protect you from damage to your home. However, it’s faulty to assume that your home insurance policy will always cover you when you experience a loss.
Although your policy may cover ice dams, there may be limitations on the extent of the coverage your insurance company offers. Historically, there are hundreds of instances where homeowners believe they are covered by their home insurance, but in the end, they have to pay for repairs out of their pockets.
What to Expect if Your Home Insurance Covers Ice Dam Damage
In the event that your home insurance covers the damage, you may also incur a rate increase. A rate increase can be devastating to homeowners who live on a budget because the rate hike will last for years. Over the years, our team at The Construction Group has learned it’s best to be proactive and take matters into your hands when it comes to damage to your home.
How to Proactively Prevent Ice Dams
Ice dams are a result of heat rising from inside of your home and the accumulation of snow on your roof. The heat makes the snow melt, which freezes again, typically at the eaves of your gutters. The frozen ice builds up, and that’s when the damage occurs. Fortunately, you can prevent ice dams. By ensuring you have proper circulation in your roof and adequate insulation, you can significantly reduce your chances of getting ice dams.
At The Construction Group, we have a team of roofing experts who can assess your roof to ensure that it’s in tip-top shape before the winter months beginning. We are happy to help you determine whether or not your roof can endure this winter. If you have concerns about your roof, or you simply want to be on the safe side, give us a call today to schedule a roof evaluation.