Does Homeowners Insurance Cover Roof Leaks from Ice Dams?

Homeowners insurance can provide coverage for the cost of repairing damage caused by an ice dam. This may include repairing the roof, walls, or other structural damage to your home until the limits of your coverage are reached. Additionally, any damaged personal property may also be covered. However, it is important to note that damage that occurs over time due to lack of maintenance before or after the ice dam damage may not be covered.

If your roof has been damaged by an ice dam, your standard home insurance policy will likely help cover the repair costs. Homeowners insurance can also help cover repairs for structural damage caused to your home, such as damage to walls, if they are deformed by a water leak. Older homes that don't have new metal roofs or roof insulation are more susceptible to ice dams because water is less likely to drain properly.