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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.

In most cases, it is best to leave icicles on your roof and allow them to melt naturally. You should only consider removing them if they are heavy enough to cause damage to your home or pose a risk to people below. Since removing icicles can be dangerous, it is recommended to hire a professional for the job if you have immediate concerns. To prevent the issue from recurring, you should address the underlying cause, such as improving your home's insulation or installing roof heating coils.

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.

You can quickly melt snow on your driveway by adding rock salt, hot water, de-icer, and other melting products. These snow removal methods will quickly melt any snow on slippery ice from your driveway, making it safer to maneuver. For a more permanent solution, consider using melting mats or installing a heated driveway system.