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Watch your roof for ice dams this winter

Corner of roof with large ice dam

By Joseph Ostrowski, Learning Delivery Specialist

As winter rolls around, homeowners should be aware of damages that can occur due to snow and cold weather. One common scenario is ice damming.

Pay attention to warning signs

If you have icicles on your home, it's a good indication that the attic insulation needs attention and/or you have poor attic ventilation. If an ice dam is present, there are a variety of ways to have it removed. Calling a local roofer or insulation contractor is the best remedy to eliminate the problem before damages occur or get worse.

Have ice dams removed quickly

It's important to know that ice dams happen over a period of time and manufactured home insurance policies provide coverage for claims that are "direct, sudden and accidental." There is also an exclusion in the policy for "Loss caused by leakage from rain, sleet or snow or its resulting damage whether or not wind driven." This would apply to most ice damming scenarios that produce damage to the home.

That's why it's important to maintain your roof to avoid ice dams and to watch for signs of ice dams so you can act quickly to get them removed.

See the image below from the Insurance Institute for Business & Home Safety that illustrates how ice dams develop, in addition to ways to prevent ice damming.

Watch your roof for ice dams this winter

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Foremost Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers.

Availability: The AARP Mobile Home and Motorcycle Insurance Programs from Foremost are offered in most states but may not be available in your area at this time. Policies, coverages, coverage amounts and discounts may vary by state. All coverages may not be available in all areas.

About the coverages described on this site: Your insurance contract is contained only in your policy, not in this website. Your insurance protection may vary from the coverages described here, depending on the standard coverages included in your policy and the optional coverages you purchase. Credit is only used by underwriting or rating where allowed by state law. We use credit-based insurance scoring in some cases.

The AARP Motorcycle and Mobile Home Insurance Programs are unavailable in some areas of the country, certain Florida Atlantic and Guild Coast counties, Hawaii, Puerto Rico and the Virgin Islands. FX Insurance Agency, LLC. is a subsidiary of Farmers Group, Inc.

*Information from the Foremost Mobile Home Market Facts Survey (2018)

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