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You should check with your insurance provider, but generally, ice dam removal is not covered by insurance, as it’s considered a preventable issue. However, damage from ice dams may be covered by your policy, including roof collapses. In the case of leaks, your belongings may or may not be covered. If you can’t find specific information on ice dam removal in your policy, give the insurance company a call and find out.

If a big freeze catches you by surprise and you don’t have any deicer to hand, you can reduce the chance of taking a tumble by laying gritty, anti-slip materials. Some natural, readily-available options that don’t melt ice but offer traction underfoot include sand, wood shavings, kitty litter, and fireplace ash.

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.

While removing every snowflake from your roof is unnecessary, you should remove a significant buildup of snow. Since snow is wet and heavy, it can easily cause damage to your roof, which can lead to needing costly repairs. 

Additionally, when the snow melts but has nowhere to go and refreezes, it can create an ice dam, causing mold concerns due to water leaking into your attic and ceiling. For these reasons, it’s best to hire a snow removal professional to clear heavy snowfall from your roof as soon as possible.