The winter season can be a brutal time for your roofing system, especially if you live in an area that sees a lot of snow and ice during this time of the year. Should your roof get damaged at this time, your insurance can be a big help in recouping what you spent to repair it, or you can get the funds you need to do so. However, some homeowners are also wondering if that same insurance policy can cover damage from ice dams.
Do Insurance Policies Cover Ice Dams?
The question of whether or not insurance policies also cover ice dam damage can’t be answered by a simple yes or no question. In fact, it actually depends on your insurance provider.
For instance, if you have dwelling coverage, the company may help you pay for the repairs of your ice dam damaged roofing system. Should the ice dam directly affect your personal belongings, however, not even your personal property coverage will provide protection against such damages.
Do Insurance Policies Cover Ice Dam Removal?
The short answer to this question is not always. Once again, whether or not your insurance policy will cover the costs of ice dam removals depend on your provider. In fact, insurance policies that cover ice dam removals are rare nowadays. This is because not only do the insurance companies see ice dams as an uncommon risk but also because they think that the removal of the ice dams is part of the homeowner’s roof maintenance responsibility.
For your roofing requirements, look no further than Renovation Team, your leading experts when it comes to roof repair and replacement services. Give us a call at (314) 200-2228, or fill out our contact form to request a FREE quote. We serve homeowners in St. Louis, St. Charles, Creve Coeur and other nearby areas.
