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Yes, most states require that snow removal companies be insured under workers' compensation. This protects the employees financially if an injury were to happen (and when dealing with ice and snow, it’s possible that injury could occur). In addition, most states require snow removal companies to be covered under general liability, which would help cover the cost of any property damage incurred during the removal process.

Whether salt melts ice overnight will depend on how low the temperature drops. If temperatures stay around 30 degrees Fahrenheit, you can count on salt melting ice overnight. Otherwise, the lower temperatures get, the less effective the salt is in melting ice, and the more likely you’ll wake up with a slippery driveway the next day. 

While removing every snowflake from your roof is unnecessary, you should remove a significant buildup of snow. Since snow is wet and heavy, it can easily cause damage to your roof, which can lead to needing costly repairs. 

Additionally, when the snow melts but has nowhere to go and refreezes, it can create an ice dam, causing mold concerns due to water leaking into your attic and ceiling. For these reasons, it’s best to hire a snow removal professional to clear heavy snowfall from your roof as soon as possible.

Schedule regular snow removal, apply salt or sand to icy areas, and mark hazards like curbs or drains.