Ice dams occur when ice builds up along the eaves of your roof. Ice dams form when snow and ice melt off the main part of your roof and re-freeze when they reach the eaves. This happens because the eaves (the overhangs at the edge of your roof) tend to be colder than the rest of the roof.

WEst Chester Home Owners Insurance Tips
HOW ICE DAMS FORM

If the ice dam grows large enough, it may prevent water from draining off the roof. The water can then back up underneath the roof shingles and make its way inside your home.
DAMMED WATER
You can take immediate steps to help prevent damage from ice dams:

Clearing snow and ice off the roof before it melts is the best way to keep ice dams from forming. If your roof is accessible from the ground, a roof rake can be a safe and effective way to remove snow from the edges of the roof where ice dams occur.

If your roof is not accessible from the ground, a contractor may be able to help.

If you cannot safely access your roof from the ground, it is best not to try. Never attempt to climb on a snowy or icy roof, and never place a ladder on snowy or icy ground. Also, keep in mind that chipping the ice with a mechanical device can be dangerous and may result in damage to the roof.

Make sure to shovel around downspouts so that your gutters can drain freely. This will help prevent ice buildups in gutters.

Properly insulating and ventilating your attic will help reduce the chances of snow melting on the roof and refreezing at the eaves.
If you suspect damage has occurred from an ice dam, contact your insurance agent as soon as possible.   Your homeowners insurance company can help you mitigate and clean up any damage that has occured.

Does your homeowner’s policy cover damage resulting from an ice dam? Not all do.  Call our office to let one of our professional agents review your policy and make sure that you have coverage for this frequent and expensive winter claim.