As winter conditions persist, ice dams have become a concern for many homeowners. These formations can cause serious damage to the home, preventing proper drainage and eventually leading to leaks.
The Insurance Bureau of Canada (IBC) has published a blog detailing steps to prevent ice dam damage. Ice dams are a common winter concern, forming when melting snow refreezes at the roof’s edge, preventing proper drainage.
Over time, trapped water can seep under shingles, leading to costly interior damage. To minimize the risk of ice dams, the IBC advised homeowners should focus on three key factors: insulation, ventilation, and snow management.
Poor attic insulation allows heat to escape, warming the roof and accelerating snowmelt. Ensuring adequate insulation helps maintain a consistent roof temperature, reducing the likelihood of ice dams forming.
At the same time, proper ventilation helps regulate attic temperatures, preventing warm air from accumulating and melting snow unevenly. Installing vents along the eaves and ridge can promote air circulation and keep the roof cooler.
Finally, the IBC highlighted that excess snow increases the risk of melting and refreezing. Using a roof rake to clear snow from the edges can help prevent ice dam formation. Additionally, keeping eaves troughs clean and free of debris ensures proper drainage and reduces the chance of water backing up.
Most standard homeowners’ insurance policies cover sudden and accidental water damage caused by ice dams, according to the IBC. This includes damage to ceilings, walls, and other interior areas if water backs up under shingles and enters the home. However, policies generally do not cover ongoing or repeated damage, as this is considered a maintenance issue rather than an insurable event.
The IBC warned that some basic insurance plans may not include protection against ice dam-related damage. Many insurers offer water damage endorsements that provide additional coverage. Homeowners are encouraged to review their policies regularly and discuss available options with their insurance provider to ensure adequate protection.
If water damage occurs due to an ice dam, the IBC advised homeowners to contact their insurance provider as soon as possible to begin the claims process. Prompt reporting can help prevent further issues such as mould growth or structural deterioration, it said. Insurers may require documentation of the damage, and a professional assessment may be necessary to determine the extent of repairs needed.
Since insurance is designed to cover sudden and unexpected events rather than routine maintenance, the IBC said homeowners are responsible for taking preventive measures.
According to the bureau, steps such as clearing eavestroughs of debris, maintaining proper attic insulation and ventilation, and using roof rakes to remove excess snow can help reduce the risk of ice dam formation. Some insurers may also provide guidance on preventive measures to minimize potential claims.
