Does Home Insurance Cover Ice Dam Damage?
16470 POINTSview profileDavid OsgoodAgent, Rural Mutual Insurance Co., Union Grove, WIIt may. If you have maintained the property properly your homeowners policy will possibly cover the damage caused from ice damming less your policy deductible. Remember every policy is different. Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you.Answered on October 24, 2013flag this answer
14231 POINTSview profileTom SheehanAgency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482Always check with your Insurance Professional about the details of your particular coverage, but generally speaking, these types of claims would be covered. If however it is determined that therewas pre existing damage that had not been repaired, this might negate the claim. So always maintain your home and by all means report any claims promptly and completely.Answered on October 24, 2013flag this answer.png)
1844 POINTSview profileDavid W. ClausenChief Executive Officer, Coastal Homeowners Insurance Solutions, Rocky Point, NY 11778Most HO-3 homeowners insurance policies will cover the damage from ice damning. Insurance inspectors are very knowledgeable about this type of damage and can tell the difference between lack of maintenance or pre-existing conditions and damage caused by ice damning. Always read your policy and contact your insurance professional before making a claim. Hope this helpsAnswered on September 25, 2015flag this answer
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