Ice Dams and Insurance Coverage
Sunday, December 22nd, 2013
We directly handle over 100 insurance claims each year through our sister company, Kuhl Design+Build, including claims that relate to damage done by ice dams in the Minneapolis area. By ‘we’ I mean to say Pete Denboer, our in-house insurance specialist. Pete was an adjuster for over twenty years before he joined our company and trust me when I say we have all learned a great deal from him about the tricks insurance companies play to avoid coverage. But I digress…
I frequently get asked a few questions relating to ice dams and home owners insurance. Here are some of the more common questions and answers:
Question: Does homeowners insurance cover ice dam removal? Answer: Sometimes Yes, sometimes No. Okay, on rare occasion an insurance company will cover preventative ice dam removal but it is very unusual. This applies to ice dams that are not causing a roof leak. Typically that sort of
Insurance claim for ice dam, how to file an ice dam insurance claim
service is provided only by the high-end insurance companies like Chubb, Ace, Amica, AIG and Fireman’s Fund. Insurance companies do frequently cover the cost of removing ice dams that are causing damage (i.e., leaking). If you have questions about this distinction you can call your insurance agent. Be careful about how you characterize your ice dam situation, however. If you claim that only one part of your home is leaking that is the only part of the ice dam removal cost they will cover. An adjacent ice dam that you thought might not be the source could very well be the one that was causing the leak and your insurance company may hesitate to pay for the removal.
Question: Does insurance cover the damage done by ice dams? Answer: Yes. The caveat being that some insurance companies cover more than others. Ultimately, if you are working with a guy like Pete just about any insurance company will listen to reason. We often get called in after an ice dam insurance claim has been initiated by the homeowner who, not knowing any better, believes in the assessment made by the adjuster. I remind clients to remember who signs the adjuster’s paycheck. They have extensive training in minimizing loss severity while wrapping it in a facade of good customer service. Pete cuts through all of that pretty quickly and determines the scope of the damage and what it will take to fix it.
Question: Should I file a claim for my ice dam? Answer: It depends. Your deductible will be the primary variable in determining whether your should file an insurance claim for an ice dam. The lower the deductible, the more reasonable the idea of filing becomes. Of course the other key consideration is the extent of the damage. If the damage done by the ice dam is only $500 and your deductible is $400, it’s probably not worth the hassle. Having us provide an estimate for the cost of repairs is a good way of answering the question of whether or not to file.
Question: Will insurance pay for a new roof due to an ice dam? Answer: No. In fact, ice dams and the damage they cause are not a roof issue. You read that right. Ice dams are not an indication that a roof has problems. They are first and foremost an indication that heat is doing naughty things. Specifically, heat is warming the roof system enough to cause the snow to melt, run to the cold edge and refreeze.
Question: How to file an insurance claim relating to ice dams? Answer: Filing an insurance claim to help repair the damage done by ice dams is no different that any other home owners claim. Your first call should be to us to remove the ice dam. Your next call should be to your insurance company to file a claim. From there you will be assigned an adjuster who will visit your home shortly, usually within a few days. The adjuster will generate a quick estimate of the damages and costs and issue a check almost immediately to you. Most large insurance companies such as State Farm, Travelers, Farmers, Allstate and American Family use a common technique to simultaneously depress the size of claims while maintaining homeowner happiness. They get the adjuster out to your home very quickly and then write you a check for the damages immediately. Not knowing what the true extent of the cost of repairs is, you will most likely be impressed even though they have likely missed much of the hidden damage created by the ice dam and subsequent water intrusion into your home. I’ve seen this approach used hundreds of times. It’s a classic.
Question: What are common forms of damage done by ice dams to Minneapolis homes? Answer: The most common damage done by ice dams relates to the effects of water inside walls, ceilings and floors. Water will cause permanent buckling of hardwood floors. It will permanently damage insulation by diminishing its’ R-Value by as much as 50%. It will cause mold inside wall cavities. It can collapse ceilings. Really, I’ve seen just about everything. Our thermal imager is a favorite method used to find water where it otherwise is hidden.