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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.

Winterizing your outdoor plumbing keeps your outdoor spigot from freezing and potentially bursting. This includes draining residual water out of the pipe and spigot after turning the valve off, then removing garden hoses and other attachments from the spigot before winter comes. Insulating the pipe that leads to the spigot and installing a freeze-proof faucet also help, as does installing an outdoor faucet protector.

Installing sheets of plywood over attic insulation is a popular choice, especially in storage spaces. That said, insulation works by trapping hot air—so it needs extra space to expand and be effective, or you might reduce the energy efficiency of your home. 

It’s important that you never compress the insulation by installing flooring directly on top of it. In many houses, you’ll need to install a subfloor before putting plywood over insulation in your attic.

If you have bubble wrap lying around the house and you don’t care about the odd look, taping bubble wrap over a window is a very affordable way to insulate it. Another inexpensive option for insulating windows is to add new caulk around the glass. This step quickly cuts down on air drafts for older windows, and a tube of caulk only costs a few dollars. Adding plastic shrink film around the glass is another cost-effective option. You can purchase a kit of plastic film for a few dollars per window.