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In most cases, it is best to leave icicles on your roof and allow them to melt naturally. You should only consider removing them if they are heavy enough to cause damage to your home or pose a risk to people below. Since removing icicles can be dangerous, it is recommended to hire a professional for the job if you have immediate concerns. To prevent the issue from recurring, you should address the underlying cause, such as improving your home's insulation or installing roof heating coils.

In most cases, yes, you should fix hail damage to your roof. For asphalt roofs that experience hail damage, the shingles can crack and tear from impact, potentially exposing the underlayment and other building material underneath to water and pests. You might save an average of $1,100 by neglecting repairs, but water damage can cost significantly more. Even on a metal roof, where penetration isn’t a concern, the dents hail can leave behind can detract from your curb appeal, potentially making your home less valuable.

Homeowners insurance typically covers roof repairs or replacement if the damage is caused by a sudden, accidental event or a covered peril, such as a storm, wind, hail, fire, or a falling tree. However, insurance will not cover repairs or replacement for issues stemming from a lack of maintenance, normal wear and tear, or a roof that is simply old and at the end of its lifespan. If a leak or damage occurs due to neglect, you will likely have to pay for repairs out of pocket.

First, stop working with the suspecting scammer immediately. Gather any relevant information and documents from your dealings with them. If you used a credit or debit card to pay them, call your bank and report fraud. Report the scamming company to the police, and then call your insurance company to see what coverage they offer for this type of incident.