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icicle damage

Prevent Damage From Icicles

Icicles, though a pretty sight, can be dangerous in the winter. They can indicate an ice dam, or cause problems for your gutters. If you begin to see icicles forming on your home, then you can take action.

Ice Dams

Icicles can indicate formation of an ice dam on your roof. An ice dam is when the heat from the attic escapes and begins to melt the ice or snow on your roof. The melted ice begins to run down and re-freezes. The ice and snow can build up underneath the shingles and cause damage and leakage. If you start to see icicles forming, you might have an ice dam problem. Get this checked out before your home sustains significant damage.

 

Flood Damage

If there is a buildup of icicles and snow, it could cause some problems once it all melts. Flooding can cause serious damage to your home and your belongings. Just be careful – water damage from snow or ice on your roof may be covered under your homeowners insurance policy. However, if it comes from the ground (eg. Melting snow on your lawn), then you will need a separate flood insurance policy to help cover any of those flood damages. It’s better not to take risks in this situation. Call up your insurance agent and ask them exactly what your homeowners insurance policy covers.

 

Falling Icicles

Though they might not seem like an impending threat, falling icicles can make an impact. They can cause damage to cars or other items if they fall. Icicles are also dangerous for pedestrians and visitors to your home. If an icicles falls on delivery man, you could be found liable. Hopefully, your homeowners insurance would help cover you in those situations. Homeowners insurance can help cover things like medical bills and legal fees associated with a lawsuit.

Alternatively, if an icicle hits your car or other vehicle, then having a comprehensive auto insurance policy would come in handy. Having adequate insurance year round is important.  While some states may not require this type of auto insurance coverage, it’s a good idea to look into it. Talking to your insurance agent can help you figure out what type of coverage and how much you need to help protect your car.

 

How to Remove Icicles

Removing icicles can be a bit tricky. You should not try to climb onto your roof if there is snow or ice since it can be dangerous. There are a few different options to take. You can try to use a long rake and scrape off the icicles. But be careful that the falling icicles don’t hit you!

You can also try applying heat tape. It is used to melt snow before it turns into an icicle. You can apply them to your roof or gutters. This solution can help, but it is often not a permanent solution.

There are chemical solutions that can be used to help melt ice, such as the rock salt used for driveways. Be careful of this method as some chemicals can damage the shingles on your roof.

 

Keep an eye out for icicles this winter. They can indicate bigger problems with your roof. Keep a watch on the weather for freezing temperatures. And, talk to your agent about insurance, just in case things don’t go according to plan.

 

Call an Encharter agent today at 888.754.8299!

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