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You should check with your insurance provider, but generally, ice dam removal is not covered by insurance, as it’s considered a preventable issue. However, damage from ice dams may be covered by your policy, including roof collapses. In the case of leaks, your belongings may or may not be covered. If you can’t find specific information on ice dam removal in your policy, give the insurance company a call and find out.

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.

You can use hot water to melt ice from your driveway, but there are some serious caveats. Very hot water can quickly melt ice and remove it, which is helpful if you’re very short on time and need a solution ASAP. However, it will only work across a small area, after which there’s a chance the water will freeze again. The sudden clash of temperatures is dangerous for fragile materials, notably windows and other glass, so you’ll want to keep the water away from your car.

If not removed, ice dams can damage your gutters, roof, and home’s interior. The weight of these heavy ice formations can break gutters and downspouts. Water intrusion can happen underneath ice dams when there’s no way for melting snow to drain off the roof, and roof sheathing, walls, ceilings, and attic spaces can suffer water damage.