We can usually rely on our homeowners’ insurance whenever something happens that results in property damage. With winter just around the corner, we might think that potential roof damage resulting from ice dams is covered. Most policies may cover some ice-related damage, but there are certain things you must keep in mind.
Today, Genesis Roofing, your local residential roof replacement pros, sheds light on the matter.
Coverage Inclusions and Exceptions
Melting snow from ice dams tend to seep into a crack or vent in your roof, causing damage to it as well as to your home’s interior walls and flooring. If this happens, your insurance company will cover the cost of repairing them. This should be apparent in your dwelling coverage, or the portion of your home insurance policy that pertains to the cost of repairing your home if it is damaged by a covered peril.
Your insurer may cover water damage caused by ice dams, but it might not pay for services to remove the problem itself. As with all homeowners’ insurance policies, terms and limits will apply. Storm damage restoration pros like us recommend going over your policy’s fine print to learn the various protections in place.
Your Responsibility as a Homeowner
Remember that your insurance company will cover you for roof damage caused by ice dams up to a certain amount. There’s also a chance you might not be covered for full repairs, so the best way to protect your home against this issue is to perform routine maintenance.
Take preventative measures to stop the causes of ice dams. Cover any heat leaks you can find and add more insulation in your attic. Clean your gutter system so water can flow freely. Better yet, replace your gutters if they no longer function efficiently.
Just as important, leave the maintenance of your roofing system to the roof leak repair pros of Genesis Roofing. As a Haag Certified company, we are equipped with the advanced knowledge needed for keeping your roof in top condition all year round. Our expert technicians can assess any roofing maintenance issue and repair it with elite skill, craftsmanship, and confidence.
Give us a call at (515) 212-1667 or fill out our contact form to request a free estimate. Our Iowa service areas include Clive, IA, and surrounding areas.