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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.

The cost to purchase a snow blower ranges from $100 to $2,300 on average, depending on the make, model, type, and age of the machine. More advanced two-stage and three-stage models, which are often self-propelled and include features like power steering and heated hand grips, can cost between $950 and $1,500 or more. If you only need a snow blower temporarily, you can rent one for an average of $75 per day from a local hardware store or rental facility.

Leaving a significant amount of snow on your roof can be risky. Most roofs are designed to handle about 20 pounds per square foot of snow, but exceeding this limit can lead to a roof collapse. A collapse can cause severe damage to your home and belongings and poses a physical danger to anyone inside. Furthermore, heavy snow accumulation increases the risk of ice dams, which can cause leaks and water damage to your roof, attic, and interior walls.

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.