Ice Dams, Snow Load & Your MA Home Insurance

With all the snow the Northeast has seen so far this winter, we’ve been hearing a lot about the dangers of ice dams. Of course, just as important and just as relevant is the threat of roof collapse.

The record-breaking snowfall means unprecedented pressure on roofs, which can lead to collapse. Here are some tips, courtesy of The Hanover Insurance Group by way of a recent report they issued:

Take the following precautions to protect life and property:

  • Watch for falling snow and ice from roofs
  • Don’t put untrained individuals on roofs to clear snow—falls from roofs and possible exposure to electrical wires while on the roof are serious hazards
  • Inspect roofs for leaks or structural deficiencies that may develop during the storm
  • Make certain gutters, drains and downspouts are clear of ice and debris
  • Clear snow and ice away from exhaust vents that go through the exterior walls
  • Clear decks of snow to reduce stress on them
  • After the storm:
  • Clear areas around downspouts so that water from melting snow has a path to flow away from the house or building
  • Remove snow from side walls to prevent high snow mounds from pushing them in
  • Temporarily shore up and brace dipping or sagging roofs or walls
  • Improper operation of doors or windows, deflection of ceiling finishes or exposed beams, roof leaks or sprinkler heads moved from their normal positions could be signs of roof failure

The best way to determine the structural integrity of your building is to ask a professional. And of course, if your home or commercial building has been damaged by the weather, talk to your local Encharter Insurance agent today about your home insurance policy or your business insurance policy! We want to help! You can call us at 888-865-1244 or you can stop by one of our local offices.

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