Ice dams form silently but destructively—when melting snow refreezes at the edge of your roof, it creates a wall of ice that traps water behind it. That trapped water often seeps beneath shingles and into your home’s structure, soaking insulation, damaging drywall, warping wood, and causing slow-developing interior water stains. While most homeowners insurance policies do cover resulting water damage from ice dams, the claim process is rarely simple.
Insurers often try to reduce or deny claims by labeling the issue as a maintenance failure—pointing to poor attic ventilation, inadequate insulation, or failure to remove snow in time. Because the damage may not appear for days or even weeks—and is frequently hidden inside walls and ceilings—proving the connection between the ice dam and the interior damage becomes critical. Adjusters may treat it as a minor leak or cosmetic nuisance, rather than a structural water intrusion that deserves full coverage.
At Loti, we know how to prove the true cause of damage and push back when claims are minimized. We act quickly to document everything—before repairs begin and before insurers have a chance to shift blame. We also help identify whether your policy covers losses related to “weight of ice/snow,” “accidental discharge,” or “seepage”—critical terms that impact how your claim is evaluated.
OUR APPROACH
Ice Dams—Hidden Damage That Requires Clear Proof and Strong Advocacy
Photograph roof edges, ice buildup, water stains, and attic insulation conditions
Document drywall damage, warped wood, or bubbling paint caused by trapped water
Save any receipts for snow removal, emergency tarping, roof repairs, or attic evaluations
Request a full copy of your policy to review language on ice, snow, seepage, and exclusions
Begin drying and mitigation work immediately to prevent mold or further deterioration
Key Steps We Help You Take After An Ice Dam Loss:
Our platform helps organize all records—photos, contractor reports, utility logs, receipts—and builds a clear, defensible claim that connects the dots between the ice dam and the resulting damage.
At Loti, we don’t let insurers dismiss serious water intrusion as minor or cosmetic. From cause of loss to policy language, we structure your claim to reflect the full scope of what happened—ensuring your recovery is thorough, timely, and covered the way it should be.
FREE RALLYBACKS
Winter weather can bring more than just cold temperatures; it can also bring heavy accumulations of ice, snow, and sleet, which can cause significant damage to your home. The weight of ice, snow, or sleet peril in homeowners insurance policies provides coverage for damage caused by the excessive weight of these winter elements. Understanding this peril, including what it covers and what it doesn’t, is essential for homeowners living in areas prone to heavy winter weather.
This detailed guide will explain what the weight of ice, snow, or sleet peril is, how it works within a homeowners insurance policy, and provide specific examples to help homeowners understand when and how this coverage might apply.
Understanding the Weight of Ice, Snow, or Sleet Peril in Your Homeowners Insurance Policy: A Detailed Guide
Learn More
