Ice dams can cause a lot of damage, from roofing and gutter damage, to putting a lot of pressure on your entire home and causing major structural damage over time. Now, since these issues can’t be fixed with a cheap repair job, it’s important to ask the question, can you cover the cost of repair through homeowner’s insurance?
Now, to be clear, a typical homeowner’s insurance policy can help you deal with some of the damage caused by ice dams. Knowledgeable Highlands Ranch roofing contractors can assess, and estimate repair costs to be submitted to your insurance company. They can offer suggestions to help avoid the situation in the future. Whether or not your insurance will cover the damage repair costs is another issue.
Hail and ice related damage and losses can be covered through a dwelling coverage. This type of coverage does tackle some of the damage caused by ice dams, but only to a partial extent. Also, insurance can help you cover the costs of replacing a roof that has collapsed due to issues such as ice dams, and you can rely on coverage options such as additional living expense coverage to support you with hotel bills while your home is being repaired. However, the actual cost of dealing with ice dams specifically will not be covered.
Depending on the insurance company you negotiate your coverage and premium with, additional coverage options might also be possible. It’s important, however, to compare the benefits offered by each insurer before choosing any particular one that you’d like to pay for.