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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.

Generally, the cost of ice dam removal is not covered by homeowners insurance because it is often considered preventable maintenance. However, the damage caused by ice dams is frequently covered. Depending on your policy, this can include interior water damage, roof collapses, and damage to shingles. Coverage for personal belongings affected by leaks may vary. It is important to check your policy details or contact your insurer to confirm what your plan covers. Keep in mind that any damage resulting from a DIY attempt to remove an ice dam will likely not be covered.

Yes, but it works best with lightweight snowblowers, the single-stage models or electric versions. Also, you need to have a rubberized intake edge on the ground and preferably rubberized auger paddles, not a metal version. Otherwise you may chip or damage the surface as you work. When it doubt, let the snow lie.

You can also use a snow blower on leveled gravel, but only if you carefully adjust the intake height so it doesn’t kick up the gravel and turn it into flying missiles.

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.