Is Ice Damage Covered by Homeowners Insurance?

Posted on February 9, 2023


Frances Badayos | author

Site Logo Favicon

ICHQ | Site Author

Winter weather can bring a host of challenges for homeowners, including the risk of ice-related damage. If you’re wondering whether your homeowners insurance covers ice damage, here are a few things our New Orleans property damage attorneys want you to know.

What is Covered by Homeowners Insurance for Ice Damage?

Most homeowners insurance policies cover ice-related damage to the structure of your home, such as the roof, walls, and foundation. This includes damage caused by ice dams, which are formed when melting snow refreezes at the edge of the roof, causing water to back up and seep into the home. Homeowners insurance may also cover damage to your belongings caused by ice or snow, such as ruined furniture or electronics.

What is Not Covered by Homeowners Insurance for Ice Damage?

Some types of ice-related damage may not be covered by homeowners insurance. For example, damage caused by a lack of maintenance, such as a roof in poor condition before the ice damage, may not be covered. Additionally, damage caused by flooding or water seepage may not be covered under a standard homeowners insurance policy. You may need to purchase separate flood insurance to protect your home from this damage.

What to Do if Your Claim Ice Damage Claim is Denied or Underpaid

If you’ve filed a claim for ice-related damage and your insurance company has denied it or offered an insufficient payout, you may feel frustrated and unsure of what to do next. In these cases, it’s a good idea to speak with an experienced attorney who can review your policy and help you understand your rights. An attorney can also advocate and negotiate with your insurance company to get the compensation you deserve.

How to Prevent Ice Damage to Your Home

Preventing ice-related damage to your home is always the best course of action. Here are a few steps you can take to protect your home from ice damage:

  • Keep your gutters clean and free of debris.
  • Insulate your attic and seal any gaps or cracks in the roof to prevent melting snow from refreezing at the roof’s edge.
  • Use a roof rake to remove snow from the roof’s edge after a storm to prevent ice dams.
  • Keep your home warm and well-ventilated.

Contact Our Homeowners Insurance Claim Attorneys About Ice Damage

If you’re wondering whether your homeowner’s insurance covers ice-related damage, it’s important to thoroughly review your policy and understand what’s covered and not.

If you’re having trouble getting your insurance company to pay for ice-related damage they should be covering, contact us online at Insurance Claim HQ for help. Our team of experienced attorneys can help you understand your rights and advocate for your claim.