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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.

When temperatures drop far enough, even rock salt can’t melt the ice. The briny solution freezes before it develops, and the salt doesn’t work, which happens around 10 to 15 degrees Fahrenheit. Keep in mind that wind chill and other factors impact ice-melting progress. Some ice melters, like magnesium chloride, work at colder temperatures and work better for deep winter freezes.

If you’re struggling to find anything else suitable in your cupboards, a vinegar and water ice melt makes for a passable quick fix. Just don’t expect it to clear your concrete the way commercial products or rock salt will. Mix equal parts vinegar and warm water and squeegee away the watery slush to prevent more slippery surfaces from forming.

If a big freeze catches you by surprise and you don’t have any deicer to hand, you can reduce the chance of taking a tumble by laying gritty, anti-slip materials. Some natural, readily-available options that don’t melt ice but offer traction underfoot include sand, wood shavings, kitty litter, and fireplace ash.