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A Step-By-Step Guide To Filing A Home Insurance Claim For Ice Dams

by Tara Pena

If you live up north, then you've certainly heard about the nightmares that an ice dam can cause when one forms on your roof. From mold and mildew to structural damage, ice dams are never good news, and can cost you a fortune. If you have insurance against this nasty phenomenon, then the monetary aspect is less of a concern, but the process for getting your home repaired quickly can be a hassle. Here are the steps necessary to get your roof fixed quickly in the event of a problematic ice dam. 

1. Assess the damage

Obviously a full assessment will have to be done by your home repair company, but this first look is to make sure that your home's structural integrity hasn't been compromised. Check for things like rotted studs or drywall and broken or missing shingles, as these issues will be immediate cause for concern. If you see any of these, don't hesitate to find somewhere else to stay for the night, since a severely rotted wall can be a big safety issue. 

2. Call your home repair company

The first call should always be to your home repair company, since they'll be able to do a more thorough analysis of the damage caused to your home, as well as provide you with an estimate and time frame for repairs. If there's been a lot of snow recently, then there will likely be dozens of other homeowners calling the same company, so the sooner you can call, the better. Make sure to mention that you have insurance, mentioning your specific provider, and that the repair company should keep records of all repairs done to your home to make the claim reporting process easier. 

3. Call your insurance provider

Your insurance provider is mainly going to be interested in getting an account of the incident and damage, so make sure to take lots of pictures of your roof, as well as mention how you came to figure out you had an ice dam problem, and what you told the repair company. Getting this information to your insurance provider early in the claims process will make the next week or so go much more smoothly, and most importantly, will help you get reimbursed quickly. 

Once all the gears are set in motion, your level of activity is fairly minimal. The repair company will come and make fixes, and all you have to do is keep the receipts, note the dates when work was done, and provide this and supplementary information to your insurance provider. Click here for more information on insurance repairs.