Did you know that two or more claims of the same nature could be reason enough for your insurance company to non-renew your policy? Many companies are choosing to review the number of ice dam claims submitted by homeowners before the start of the winter season.
If you’ve submitted multiple claims for damages from ice dams, now is the time to consult with a licensed contractor to determine which mitigation measures will help prevent future claims.
- Insulate the attic floor. This helps keep the transfer of heat from downstairs to the attic at a minimum. Seal all openings where warm air can leak out such as pull-down stairs, exhaust pipes, plumbing vents, chimneys, and light fixtures. Relocate all warmth generating units away from the attic.
- Ventilate the attic. Installing eave, soffit, ridge, and gable vents will help keep your attic cold.
- Install a water and ice shield membrane. If you can’t insulate and ventilate your attic, you will need to install a water and ice shield on the entire roof. This membrane will provide a barrier between your house and any melting snow.
- Heating coils. Although installing heating coils can help minimize the severity of ice dams, they don’t prevent them from forming, and therefore and cannot be used as a mitigation effort on their own. Put simply, heating coils melt small channels through ice dams as they form.
If you are looking for a way to help with the costs of these mitigation efforts, contact Mass Save® for a no-cost Home Energy Assessment by calling 866-527-SAVE (7283). Mass Save® is an initiative sponsored by Massachusetts’ gas and electric utilities and energy efficiency service providers and offers many rebates and incentives to renters, homeowners, and businesses.
For more information on ice dam mitigation measures, contact McGrath Insurance Group at 800-342-3859 or www.mcgrathinsurance.com.
*This article is written for informational purposes only and should not be construed as providing legal advice.