An ice dam is a ridge of ice on your home’s roof that prevents melting snow from draining, leading to water buildup. It can form in the eaves of your roof, often due to the cold outdoors and the warmth in the home. When it happens, it can cause significant structural damage to your home, leading to costly repairs and even roof replacement in some situations. Many homeowners insurance policies will provide coverage for ice dam damage.
At L & S Agency Inc., our team is ready to help you. If you do not have homeowners insurance or you need to update your coverage in Buffalo, NY, or the surrounding area, contact us for a quote. Let us help you choose the right coverage for your situation.
What Ice Dam Damage Is Covered?
Ice dams can cause serious damage to your home’s roof, ceiling, and walls, especially if water leaks into the structure over time. Your home insurance may cover the damage, as long as it’s not from routine wear and tear or the aging of the roof or structure.
When your homeowners insurance does apply, it may cover structural damage to your home, including repairing the damage to your roof, ceiling, insulation, and any damaged walls. In addition, if the ice dam causes significant damage to personal property, that may be covered as well. This can include things like furniture and electronics.
Note that in situations where you cannot live in your home, additional living expense coverage could help pay for alternative lodging and necessities while your home is being repaired. However, you need additional living expenses coverage for that. One of our agents can review your homeowners policy to check your coverage.
Work With One of our Agents for Proper Protection
Now is a good time to be sure you have adequate home insurance for your Buffalo, NY, property. Contact L & S Agency Inc. to discuss your needs and build a policy that keeps you and your assets safe.
