Understanding the Ice Damn
Making sure your home and property are protected is a safety net for your home when nature takes it toll. And if you live in Michigan, you know what to expect however, being prepared for the unexpected is the key.
Ice dams form when the snow melts on an upper, warmer part of a roof. The melted water then runs down toward the colder eave overhang, where it freezes. As the ice accumulates, it forms a blockage that prevents the snow to melt and flow off the roof.
The ice begins to back up under the roof shingles, where it melts again, soaking the roof sheathing. There, it soaks the insulation (rendering it much less effective) and can leak through the ceiling drywall below and into living space. In addition, large ice dams can be very heavy and can damage gutters and even present a safety hazard to people below.
There are measures you can take to help prevent ice damns from damaging your home and property.
However, in the case that damage does occur your homeowner’s policy should help protect you from costly repairs.
Do you have the coverage you need for your home and personal property? Scully Monroe Service in Howell can help. Our Personal Lines Department writes a full range of coverages for Michigan residents. We represent many excellent insurance companies that offer a variety of products to meet your individual requirements.
Michigan winters can be rough on a home, make sure you are protected with the right Homeowners Insurance. Whether you need homeowners’ insurance, auto insurance, life insurance, medical insurance, or business insurance coverage, there is a plan for everyone. Call and speak with an agent today for a Free No Obligation Quote for!