Many Dangers of Ice Dams

Snow on Driveway leading to homeProblems Associated With Ice Dams

As the cold weather continues this winter, it is important to make sure that your home is protected from damage that is caused by the freezing temperatures. Ice dams that form on your roof can cause serious damage to your home. Knowing how to prevent ice dams, along with making sure that your homeowners insurance will provide enough coverage will help to ensure that your home stays safe this season.

Ice dams form when heat from your attic melts the snow on your roof, causing water to flow down. When the water reaches the edge of your roof that is no longer warmed by the heat escaping from your attic, it freezes, creating a dam. As the process continues, water and snow is not able to reach the edge of the roof, which causes it to back up under the shingles and into the walls, causing serious damage.

Since your homeowners insurance policy is meant to provide coverage for damage that is done to your home, it will most likely provide coverage if your home is damaged by an ice dam. However, there are some exclusions that may be part of your homeowners insurance policy, which could lead to the damage not being covered. Talking with your insurance agent is the best way to know exactly what is covered to ensure that you have the right amount of protection for your specific needs.

Taking the proper precautions to prevent ice dams on your roof can help to make sure you never have to make a claim with your homeowners insurance. Make sure to keep your attic well insulated and sealed to keep any heat from escaping. The less heat that escapes through your attic, the less likely it is that an ice dam will form.

For all of your home insurance coverage needs, contact the insurance professionals at Alliance Group in Fairport, New York.