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.

The easiest way to remove snow from a roof involves using a roof rake that allows you to clear snow from the ground. Roof rakes are lightweight and feature adjustable handles, making them user-friendly for most people. This method also helps prevent ice dams and excess snow buildup, reducing the risk of roof damage during winter months.

When should you remove snow from your roof? A good rule of thumb is once six inches of snow accumulates. 

Be careful when choosing a product to help you remove ice from your wood deck. Never use sand, gravel, or salt, since these items can damage and scratch the wood. Instead, look for chemical de-icers that are marked as safe for wood decks or use hot water to melt snow and ice.