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Homeowners insurance covers ice dam damage to your home and personal belongings, but it may not always be worth filing an insurance claim.
Your homeowners insurance policy covers ice dam damage to your home and personal belongings
Certain structures, like fences, pools, patios, and docks are covered by freezing or weight of ice damage
Depending on the extent of the damage, check your policy deductible to determine if it’s worth filing a claim
The winter months present a number of potential headaches for homeowners. Winter storm damage, freezing pipes from arctic temperatures, and the very real possibility of your Christmas tree going up in flames are all serious issues to contend with. Fortunately, homeowners insurance covers all of those perils, but how about a massive ice dam that gathers on your roof and causes it to collapse into your home? Yes, homeowners insurance will cover that too, but that doesn’t mean that you should necessarily file an insurance claim.
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An ice dam is pretty self-explanatory—it's a buildup of water that dams up (or collects) on your roof and freezes, forming a giant ridge of ice. Ice dams form because one part of your roof (usually along the edges) is colder than other parts of your roof. When water from the warmer section melts off, it flows into pockets where ice has accumulated, creating more ice and pools of water. This forms a barrier between your roof and the gutter, making it difficult for water to drain. Depending on your roof’s condition, dams can often lead to leaks and roof collapses, creating an expensive problem.
Luckily, homeowners insurance covers this age-old home maintenance headache, but there are a number of preventative measures you can take to stop ice dams before they start. Additionally, it might not always be worth filing a claim if the damage amount is only slightly higher than your policy deductible. Frequent insurance claims lead to higher insurance premiums and increase the likelihood that your insurer cancels your policy.
For the most part, yes.
A standard HO-3 homeowners insurance policy doesn’t outright mention that ice dam damage is covered, but one would assume the insurer would consider it “weight of ice and snow”—a peril that is covered by standard coverage.
Furthermore, ice dam damage isn’t outright excluded in the policy, either. With all-risks dwelling coverage, if a peril isn’t explicitly excluded, then your insurance generally covers it. If your insurance company denies your ice dam damage claim, ask them to provide substantial proof via the standard policy form.
Something to keep in mind: when we say ice dam damage is covered, we’re referring to damage to your home and your personal belongings inside the home. There is a section of your policy that specifies that damage to certain structures on your property won’t be covered if the cause of loss is freezing, thawing and weight of water or ice. Those structures include:
While homeowners insurance will cover damage caused by ice dams, they may not cover the cost of removing the ice dam from your roof. In fact, homeowners insurance generally doesn’t provide “preventative” coverage, so if the ice dam hasn’t yet caused any damage per se, your insurance company most likely won’t pay to remove it.
However, if the ice dam does cause damage and you file a claim, the insurance company will likely cover the removal of the remaining dam that damaged your property as part of your insurance claim payout.
One of the more confusing aspects of homeowners insurance is knowing when to use it. Yes, you’re paying the monthly premiums for a reason and you should be able to use this thing you’re putting money toward when something bad happens. But it’s not always worth it to file a claim.
For one, frequent claims make insurance more expensive and make it harder to get insurance in the long run (major insurance companies are known to turn down applicants with multiple claims in a short period of time—typically five years). Additionally, if the damage amount isn’t higher than your deductible, then you won’t be able to file a claim. (If the loss is $1,800 but your deductible is $2,000, your claim will be denied).
In terms of ice dam damage, it simply depends on the severity of the loss. Roof damage claims can be expensive, and that expense is only compounded if hundreds of gallons of water fall through and ruin a ton of your personal belongings. If we’re talking about an entire section of your roof giving way to a mini pond that causes thousands in property damage, it may be worth filing a claim rather than paying for it out of pocket. But again, it really depends on how high your deductible is and your claims history.
If we’re talking about repairing a roof leak, that’s something you might just want to pay for out of pocket instead, in addition to the removal of the ice dam itself. To remove the dam, consult a roofing professional or look into an ice dam steamer. (Yes, we checked—those exist.)
The best way to prevent ice dams and spare yourself the maintenance and insurance headache is to be proactive. Good ventilation, drainage and proper insulation are all suggested ways to keep this expensive problem from turning into an expensive disaster. Here are a number of actionable steps you should take ahead of winter:
About the author
Pat Howard is an Insurance Editor at Policygenius in New York City, specializing in homeowners insurance. He has been featured on Property Casualty 360, MSN, and more. Pat has a B.A. in journalism from Michigan State University.
Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for you.
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