Dealing with ice dams can be challenging, especially if you have little-to-no knowledge about how to address them properly. One wrong move, and you may cause more damage to your roof. Fortunately, you can always count on professional roofing contractors to do the job well.
However, you may be wondering whether your homeowners insurance covers damage caused by ice dams. Continue reading to find out.
Understanding Insurance Coverage
Typically, homeowners insurance can cover any structural damage from an ice dam. When ice forms on the edge of your roof and melts, and the water gets backed up against the ice dam, a leak could penetrate your roof and cause water damage.
In this case, dwelling coverage may pay for the repair costs. But if any of your personal belongings were damaged due to ice dams, personal property coverage won’t be of any help.
There are also other conditions that should be met. For instance, if ice dam damage occurred on a detached structure, such as a garage or shed, this might not be included in the coverage provided by your policy. You may need to get a separate policy to cover such structures from ice dam damage.
Preventing Ice Dam Damage
Here are two effective ways to prevent ice dam damage:
- Boost your attic ventilation. Roof replacement experts suggest that having good attic ventilation is crucial to eliminating ice dams on your roof. Call your roofer, and ask how soffit and ridge vents could benefit your roof and attic.
- Invest in preventive maintenance. This is essential to keep your roof fully functional and attractive. Make sure to schedule routine inspections and cleanups to avoid damage to your roofing. Moreover, do not forget to clean your gutters so that water runoff from your roof can be properly drained.
If you’re dealing with ice dams, get in touch with reputable roof repair expert Neumann Construction. With our knowledge and experience, we can guarantee top-notch workmanship for your project. Call us at (218) 270-0009, or complete our online form for a free, no-obligation consultation. We serve customers in Pequot Lakes, MN, and nearby areas.