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

Click here for more great articles from our Learning Center

The information contained in this page is provided for general informational purposes only. The information is provided by Foremost® and while we endeavor to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the articles or the information, products, services or related graphics, if any, contained in the articles for any purpose. The information is not meant as professional or expert advice, and any reliance you place on such information is therefore strictly at your own risk.

COVID-19 Updates

Foremost is actively monitoring COVID-19 and instituting practices to ensure the health and safety of our employees and customers. We have business continuity plans in place and are maintaining full operational capacity with no interruption in business services at this time. Foremost will continue to monitor the situation and provide updates as necessary.

As always, Foremost is dedicated to serving our customers. You can file a claim 24 hours a day, 7 days a week online or by calling 1-800-752-2461.

View the customer notice for the District of Columbia

Not all products, coverages and discounts are available in all areas.

Foremost Insurance Company Grand Rapids, Michigan 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.

The AARP Mobile Home and Motorcycle Insurance Programs are unavailable in some areas of the country, Puerto Rico and the Virgin Islands. FX Insurance Agency, LLC is a licensed insurance agency appointed by, and affiliated with, Foremost Insurance Company  Grand Rapids, Michigan, Foremost Property and Casualty Insurance Company, and Foremost County Mutual Insurance Company. 5600 Beech Tree Lane, Caledonia, MI 49316.

© Copyright Foremost Insurance Company