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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.

Generally, snow removal from a roof should occur once over six inches of snow accumulates, especially if you notice that ice dams have formed. Without ice dams, you can let the snow accumulation hit 12 inches before removing it. However, the amount of snow that is too much for your roof also depends on the sturdiness of your roof and the compactness of the snow. If your roof needs maintenance or has structural issues, it’s best not to let the snow accumulate too much for fear of collapsing.

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.

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.