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Subscribe to this list via RSS Blog posts tagged in ice dams

Posted by on in Press Release

After a Long Winter, Wisconsin Homeowners May Find Roofs are Leaking Due to Ice Dams, Storms - Insurance Will Likely Cover It

MADISON, Wisconsin (February xx, 2015) – After dealing with rounds of snow, cold and melting this winter, homeowners may find themselves with leaky roofs this spring. Many homeowners are confused about whether insurance will cover the repair or replacement of their leaky and/or aging roof.

“Generally speaking, if ice dams, fallen trees or a winter storm damaged your roof causing it to leak, the damage and repairs to that portion of the roof should be covered by your homeowners insurance,” advised name, title, your agency or company. (Add a line to two about your company/agency.)

According to the Insurance Information Institute, the average home insurance claim for water damage and freezing (which ice dams can cause) is $3,098.

While damage from a storm is generally quite obvious, ice dams occur over time making damage more difficult to spot.

“If you notice staining on your ceilings or walls, or water coming through outlets or draining in the wrong places, contact your local independent insurance agent immediately. They will send someone to assess the damage and give you advice on your options,” noted Lastname.

While your homeowners insurance will cover damage to the affected part of the roof, it may not cover full replacement of your roof.

In addition, insurance typically does not cover costs for routine roof maintenance or replacement due to age and most likely will not cover personal property inside the home that is damaged by leaking water.

However, it's important to remember that all insurance companies cover roof and exterior property damage differently. The easiest way to know what's covered or what's not, is to contact your professional, independent insurance provider.

“Coverage will often depend on the age of your roof, the area you live in, and many other factors, so it's important to know the specifics of your policy,” noted Lastname.

For more information on insurance considerations when you travel, contact us. (You may want to add a phone number or email here.)

Your (company name) is a proud member of the Professional Insurance Agents of Wisconsin. For more information visit www.PIAW.org.


Posted by on in Press Release

How to Prevent Ice Dams This Winter – Tips from the Professional Insurance Agents of Wisconsin

MADISON, Wisconsin (January 05, 2015) – Winter has gotten a head start in Wisconsin, with many residents already experiencing significant snow falls. Such early snow increases the time period for ice dams to occur.

Ice dams are caused when the sun shines on your roof or warmth from the attic melts the snow…and as the water runs down, it meets the cold edge of the roof and re-freezes. Ice dams can cause a lot of damage to ceilings, walls, floors, insulation and other property inside your home.

“The good news is that most basic homeowners’ policies cover damage caused by ice dams,” says name, title, your agency or company. (Add a line to two about your company/agency.) “However, due to the inconvenience it’s better to prevent ice dams from happening in the first place.”

  • Be sure that your attic is properly insulated and ventilated, so that the temperature stays at a consistent level, under 32 degrees or below. The attic and roof should be cold so the temperature doesn’t melt the ice on the roof.
  • Seal air leaks in your attic to prevent warm air from escaping and causing snow to melt.
  • If you are concerned about ice dams or heat loss, this is a great time to have an Energy Star professional inspect your attic, roof and home, to look for areas of heat loss or poor ventilation, and offer potential money-saving recommendations.
  • Some home improvement contractors encourage the use of roof rakes to remove extensive snow build-up when it gets over six inches, others caution that shingles can be too easily damaged with roof rakes. If you choose to rake your roof, be very careful not to damage the shingles or pull snow and other loose debris onto yourself or others. The roof does not need to be bare; you are just doing preventive maintenance by removing some snow.
  • DO NOT TRY TO CLEAR ICICLES. If you have large icicles, this is a sign that you may have a large ice dam. Large icicles can weigh several hundred pounds and have severely injured and even killed people. Leave that job to the professionals.

If you experience damage from an ice dam, notify your insurance agent as soon as possible to begin filing a claim. Make a list of all damaged or lost personal property and take photos, if possible.

“You can make temporary repairs immediately to protect your property from further damage. Keep the receipts and include them in your insurance claim. Permanent repairs must wait until the insurance adjuster has had a chance to review the damage.”

It is also important when you are making repairs to make sure the contractor you use is licensed and reputable.


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Professional Insurance Agents of Wisconsin
6401 Odana Road | Madison, WI 53719
Phone: (608) 274-8188 | Toll Free (800) 261-7429
Fax: (608) 274-8195 | Toll Free (866) 203-7461