Icicles hanging from your roof might look picturesque, but they often signal a more significant problem: ice dams. These ice formations occur when the snow melts on your roof and refreezes, causing ice buildup in eaves and along the roof’s edge. Ice dams can lead to several damaging issues for your home, including:
- Loosening or damaging shingles
- Deforming gutters
- Rotting roof plywood
- Water leaking into the attic
- Damage to insulation and drywall, potentially causing mould
Ensure your attic is well-ventilated to safeguard your home and prevent future ice dams. A colder attic reduces the likelihood of warm air melting roof snow that refreezes into a dam. Here are some key steps to prevent ice dams:
- Ensure the attic floor is adequately insulated to keep warm air within the home.
- Check that attic access points are securely sealed.
- Make sure exhaust fans vent outdoors, not into the attic.
- Inspect flashing around vents and chimneys for cracks or separations.
If ice dams form near heat sources like recessed lighting, consider relocating the lights or minimize their use during snowy periods.
Coverage
Insurance coverage for ice dam damage can vary, so it's important to consult your insurance representative to verify your policy details. Home insurance policies typically cover ice dam damage resulting from a sudden event. However, if the damage is due to neglect or insufficient maintenance, coverage might not apply. Additionally, some insurers may not automatically include protection against ice damming in their policies. Optional add-ons might be available to cover expenses related to replacing damaged personal belongings.
Take note of recurring ice dam locations and address their causes in the spring. A bit of preventative maintenance now can protect your home from costly repairs down the line. Act today to save yourself time and money tomorrow - and reach out to us if you have questions about your coverage: 519-736-8228