What to Do When Ice Dams Form: A Practical Guide for New England Homeowners

What Are Ice Dams and Why They Form

Ice dams occur when heat escapes from inside your home and warms the roof. Snow begins to melt, and the water flows downward until it reaches the colder eaves, where it refreezes. Over time, this creates a ridge of ice that blocks proper drainage. When water gets trapped behind this ice, it can seep under shingles and into your home.

Signs an Ice Dam May Be Forming

Common indicators include:

• Large or persistent icicles
• Ice buildup along gutters and eaves
• Water stains on ceilings or walls
• Dampness around windows or exterior trim
• Uneven melting on the roof

Addressing these signs early can help reduce further damage.

What You Can Do If an Ice Dam Has Already Formed

1. Carefully Remove Snow From the Roof  – Using a roof rake, clear snow from the lower sections of your roof to reduce the amount of melting behind the ice dam.  Avoid climbing onto the roof—winter surfaces can be extremely slippery.

2. Don’t Chip or Break the Ice – Using tools to hack at the ice can damage shingles and gutters. Avoid attempting to remove the ice manually.

3. Create a Temporary Drainage Channel – Placing a “sock” filled with calcium chloride across the ice dam can melt a narrow path for water to drain. Only use calcium chloride—rock salt can damage shingles and landscaping.

4. Call a Professional for Safe Removal – Ice‑dam removal specialists use low‑pressure steam to safely melt ice without harming roofing materials.

5. Manage Interior Water Leaks – If water is entering your home:

• Collect drips with buckets or towels
• Move items away from the affected area
• Use fans or dehumidifiers to reduce moisture

These steps help limit additional damage until repairs can be made.

Note: Murphy Insurance is not a roofing expert and cannot guarantee results from these measures. Consult a qualified contractor or roofing specialist for the best solutions for your situation.

How to Help Prevent Ice Dams in the Future

Prevention focuses on reducing heat loss and maintaining a consistent roof temperature. Consider:

• Adding or improving attic insulation
• Sealing air leaks around chimneys, vents, and fixtures
• Ensuring proper attic ventilation
• Keeping gutters clear of debris
• Consulting a roofer or insulation professional for long‑term solutions

These steps can help minimize the chance of ice dams forming again.

Does a Homeowners Insurance Policy Cover Ice Dam Damage?

Homeowners’ insurance policies typically cover damage caused by ice dams. Sudden and accidental water damage like leaks affecting ceilings, walls, insulation, or personal belongings are covered. Because coverage can vary, it’s always best to review your policy and reach out to your insurance advisor if you suspect ice dam damage.

Note: If you own a condominium, structural damage caused by ice dams may fall under the condominium association’s master policy. You may want to double-check with your association that the master policy provides coverage for such situations.

Here to Help All Winter Long

Ice dams can be stressful, but knowing how to manage and prevent them can make a big difference throughout the winter season. If you have concerns about potential damage or believe you may need to file a claim, our team is here to support you every step of the way.