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Ice Dam Insurance Claims

Ice dams are ridges of ice that form along your roofline, preventing water and melting snow from draining. These ice formations can lead to various forms of damage, including harm to your shingles, gutters and spouts, or even leak into your rooms when they melt.. Our goal is to get you the most money possible to repair or replace your damaged roof.

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    While icicles hanging from your eaves can look beautiful, they can sometimes lead to the formation of unwanted ice dams. Ice dams are ridges of ice that form along your roofline, preventing water and melting snow from draining. These ice formations can lead to various forms of damage, including harm to your shingles, gutters and spouts, or even leak into your rooms when they melt.

    At Performance Adjusting, we understand the stress that ice dam damage can cause. With over 15 years of experience dealing with these types of claims, we’re here to help you manage the entire process. Our goal is to get you the most money possible to repair or replace your damaged roof.

    What Is an Ice Dam?

    Ice dams typically form when a higher portion of your roof is warmer than a lower part, which happens due to nonuniform surface temperatures. Heat loss, uneven snow cover, icicles and wet insulation at a roof’s lower levels can all aid in ice dam formation.

    Damage from ice dams begins when backed-up water finds its way into your home because it has nowhere else to go. This water can get inside your ceilings, insulation, walls and HVAC systems upon leaking through your roof. Standing water in these areas can lead to mold and mildew issues that are detrimental to human health and your structure’s integrity.

    More damage will occur the longer standing water is present in these areas. Therefore, it’s essential to address any icing or standing water issues immediately. Here are several recommendations for ice dam prevention:

    • Adding insulation: By adding extra insulation to your attic and the areas below your roof, you’ll ensure more equal temperatures over your entire roof’s surface.
    • Ventilate your attic: It is critical to ventilate your attic so any heat that escapes your home’s interior moves up and out. Retaining the warmer air will allow unequal temperatures across the whole roof.
    • Remove snow and icicles from your roof: Keeping your roof clear eliminates a few of the primary components necessary to form an ice dam.
    • Cover your attic hatch: Covering this area will prevent warm air from escaping onto your roof’s surface.

    Our partners at Rhode Island Restoration specialize in the skills necessary to repair your roof and winterize your property. Pursuing this option is a worthwhile investment, especially in climates prone to excessive winter precipitation. 

    Does Homeowners Insurance Cover Damage From Ice Dams?

    Most homeowners insurance policies cover ice dam-related damage. These expenses fall under the umbrella of harm caused by the weight of ice and snow. So long as you maintain your roof correctly, your insurance company will accept your claim for repairs involving ice dams.

    However, insurance will not cover the charges to remove an ice dam if no damage has occurred. Other instances when insurance will not pay include:

    • Fence damage
    • Damage to a patio or deck
    • Harm to a swimming pool
    • Retaining wall damage

    At Performance Adjusting, we have the knowledge and expertise to examine your insurance policy to help you determine everything that’s covered.

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    Help With an Ice Dam Insurance Claim

    Besides providing an initial analysis, Performance Adjusting simplifies the entire claim process by dealing with your insurance company directly, which translates to less stress and worry for you. Our job is to efficiently manage your claim while netting you the highest amount of funds to complete your roof repair or replacement.

    Our six-step process involves:

    Reviewing your insurance policy

    Helping you find a temporary place to stay if you need it

    Performing an on-site analysis of your property

    Capturing a detailed photo inventory of the damage

    Communicating directly with your insurance company

    Following through until your claim is approved

    We’re a public insurance adjuster who can help with your ice dam damage — that means we have no affiliation with your insurance company. Our only charges are 10% of your settlement fee, so it’s in our best interests to get you as much money back as possible.

    You can reach us any day, any time. Request a FREE consultation, for your water damage insurance claim in RI and we will get right back to you.

    Contact Performance Adjusting

    By calling Performance Adjusting before you contact your insurance company, you’ll have peace of mind knowing we’ll take all the proper measures in pursuit of your claim. Our skilled team will eliminate all the guesswork. To get the process started, call us at 401-724-9111.

    Frequently Asked Questions

    Yes. Although some factors depend on your insurance type and the specifics of the accident, we can assist with a claim for up to two years from the loss date. In some cases, we can even help after a claim payout.

    There are risks to removing icicles yourself, especially if these formations are large. The best bet is to take the proper measures to prevent future icicles from occurring, like ensuring a uniform temperature over your roof's entire surface.

    Some contractors specialize in the safe removal of ice dams. They can also advise you on the necessary measures to prevent future formations. For Rhode Island Residents we recommend the roofing specialists at Rhode Island Restoration.

    The repair time depends on the extent of the damage, and each situation often results in a different outcome. Damage may sometimes appear later in the repair process despite not being apparent in the beginning.

    Besides helping save on your energy bills, adequate insulation in your attic will assist in evening out the air temperatures along your roofline, helping to prevent ice dam formation.

    Ready to Get More Money for Your Water Damage Insurance Claim?