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Essential Elements of an Ice Dam Insurance Claim

ice dam insurance claim

Winter snow and sparkling icicles are very picturesque on a holiday card, but not when your home, business, or property is damaged by an ice dam. While it’s always good practice to re-read your policy and troubleshoot your questions with your insurance agent, we want to keep your stress to a minimum by giving you the essentials for your ice dam insurance claim.

The first step is to take stock of your related damages (and list them on your claim. Many homeowner policies cover damage related to ice dams once you’ve paid your deductible. These could include:

  • Damage to shingles or siding
  • Interior water damage (from water running down/into walls)
  • Roof damage (such as rotting soffit, fascia, or sheathing)
  • Insulation damage (in your attic or walls)
  • Damage caused by mold and mildew

Your ice dam insurance claim could also include steps you take to protect yourself from further damage and harm. Some common examples include roof repair, snow removal, and moving property out of harm’s way. Again, keep track of the steps you have to take to ensure the safety of your person and property. It’s important to note that--while there are some things you’ll be able to do on your own, it’s not always appropriate to take a “do it yourself” approach when making the repairs or removal necessary for your ice dam insurance claim. Your agent can help you with resources and partners that will keep you safe, and keep the repairs affordable/within your coverage network.

As with any claim, your ice dam insurance claim should include an accurate record of damages, related repair expenditures, photographs, and receipts. It’s also good important to note that you should start only with the repairs that prevent further, imminent damage, and/or repairs that are necessary to keep you safe. Beyond that, no repairs related to damages should be made without first consulting with your insurance adjuster, so they can assess the extent of the damages.

When reporting the loss, do so as quickly as possible. Many companies have phone, email, and online reporting options that are very user-friendly, and designed to get your claim processed fast, so your property can get back to its best for you, and those sharing your space.

Note: if you have ice dams, but have not yet experienced damage, have a professional you trust help you with removal. In the meantime, create channels in the ice dams, and refrain from “chipping away” at the ice with sharp objects.

No matter what, be safe and ask for help if you need it. Don’t dismay: spring will be here soon!

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David Miller
David Miller
My name is David Miller and I am the proud owner of Miller Public Adjusters. With years of experience in the fire and water restoration industry, my passion is to help homeowners and business owners who've suffered a loss, because I know what's it like to have a personal fire loss and an insurance company that doesn't want to pay the claim. Feel free to comment or ask a question. We are here to help in anyway possible.
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Client Name: Amanda W.

If I could provide one crucial piece of advice to anyone dealing with a major loss due to fire, water damage, etc. – it would be to contact Miller Public Adjusters!

Client Name: Gayle S.

“Excellent experience. I had a major fire which destroyed my business. My Insurance company was hostile and adversarial at best. I hired Miller Public Adjusters. They did everything. I never had to have another conversation with a elusive and hostile insurance company. If I hadn’t hired Miller Public Adjusters to represent me, I would’ve lost everything.”

Client Name: Erica F.

“Dave is super knowledgable on the process as he’s not only been in the industry for years but he has also had personal experience with his own fire-damaged home. No matter how trivial you may think your question is Dave and his staff will take the time to make sure your questions get answered and you understand the ramifications. His expertise on the matter quickly turned what seemed to be a hopeless uphill battle into a more manageable playing field.

Client Name: Manny V.

“Top-notch service would recommend Miller Public Adjusters service to anyone. Dave thank you much. The process was great.”

Client Name: Phyllis M.

“David and his staff are outstanding and worth their weight in gold. If you need help with any insurance claim, hire them; you’ll be glad you did! If I could rate them 100 stars, I would!”

Client Name: Sharal D.

"Champions. Warriors. Heroes. Lifesavers! That’s exactly what David Miller and his fantastic team at Miller Public Adjusters are! There really are no words to describe what his team has done for me and my family. We are extremely grateful, and they are WORTH EVERY SINGLE PENNY you pay them for their services and then some!"

Client Name: Michele K.

“Thankfully, the restoration company referred us here. From that point on, David at Miller Public Adjusters reassured us that he would do everything in his power and knowledge to prove that our homeowners insurance should cover the damages. In the end, we won the case and the claim was paid. I can’t thank David at Miller Public Adjusters enough!”

Client Name: Todd L.

We never would have been able to navigate the confusing world of a total loss claim without their help, guidance and expertise,” Todd stressed. “I would recommend Miller Public Adjusters to anyone who is faced with a traumatic claim that involves dealing with ‘Big Insurance.’ They will absolutely help to alleviate much of the pain.

Client Name: Christine S.

They were successful at getting the maximum settlement from the insurance company. My family and I are always praising Miller Public Adjusters to people who ask us about the fire. We can’t thank them enough.

Client Name: Debbie G.

“Miller Public Adjusters knows what they are doing and stood firm against the insurance company. Miller Public Adjusters got us everything we were entitled to, and even more than we thought, in a matter of months. We did not have to deal with our insurance company and also did not have to purchase anything and turn in receipts for reimbursement. What a time-saving relief. Miller Public Adjusters are knowledgeable, understanding professionals, and we highly recommend them to all our friends and family.”

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