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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.

Natural ice melts can often get the job done without damaging concrete. You can try non-corrosive options such as kitty litter, alfalfa meal, coffee grounds, sugar beet juice, and heated snow-melting mats. While they may cause some staining, these natural melts are safe for concrete, pets, and the environment.

In most municipalities, snow removal is compulsory in public spaces, including the sidewalk in front of your house, so you need to remove snow there. You could face fines for failure to clear your sidewalk in a timely manner—usually within 24 hours of the snowfall stopping. More importantly, your sidewalk needs to be safe for pedestrians to use, and you could face legal issues if someone slips on your sidewalk because you failed to clear it. Sidewalk removal services might seem expensive, but they’re well worth it to avoid these issues.

The best snow removal tools include a snowblower or a plastic shovel since they're less likely to damage your driveway's surface. Metal shovels can crack asphalt and concrete. It's also a good idea to install driveway markers since they can make it much easier for you to identify where you should shovel without damaging the surrounding yard.