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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.

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.

It is not advisable to use salt on your roof to prevent or remove ice dams. It’s not only mostly ineffective but can also cause serious damage to your roof itself. Salt can rust metal, damage masonry, pit shingles, and cause runoff that’s damaging to plants and animals. 

Be careful when choosing a product to help you remove ice from your wood deck. Never use sand, gravel, or salt, since these items can damage and scratch the wood. Instead, look for chemical de-icers that are marked as safe for wood decks or use hot water to melt snow and ice.