Heavy snowfall may create a winter wonderland, but it also brings serious risks to your home or business. Snow accumulation on rooftops can lead to structural damage, leaks, ice dams, and even roof collapse if not properly managed. The added weight of snow and ice can put stress on your building, while blocked gutters and melting snow can cause water intrusion. Taking proactive steps to remove excess snow can help protect your property, and having the right insurance coverage in place ensures peace of mind when winter weather takes a toll.
The Hidden Dangers of Snow Buildup
Did you know that 12 inches of packed snow on a roof can weigh anywhere from 20 to 40 pounds per square foot? If that same snow melts and refreezes into ice, it can weigh as much as 60 pounds per square foot! That’s a tremendous amount of extra weight that your roof may not be designed to support. If left unattended, excess snow and ice buildup can lead to:
- Structural Damage: Heavy snow can weaken roofing materials, leading to cracks, leaks, or even collapse in extreme cases.
- Ice Dams: When heat from inside your home or business warms the roof, snow begins to melt and refreezes at the eaves, forming an ice dam. This prevents proper drainage and can force water back under shingles and into the interior of your property.
- Water Damage: If water seeps into the walls, insulation, or ceilings, it can cause mold growth, rot, and expensive repairs.
- Liability Concerns: Snow and ice falling from the roof pose a serious risk to people walking below. If someone is injured on your property due to ice buildup, you could face a liability claim.
Areas of Concern
Certain areas of your roof are more vulnerable to excessive snow accumulation and ice damming. Pay close attention to:
- Roof Valleys: Where two rooflines meet, snow and ice can collect more easily. This can create weak spots that are prone to damage.
- Flat or Low-Slope Roofs: These surfaces do not shed snow as efficiently as steep roofs, making them more susceptible to overload.
- Gutters & Eaves: Blocked gutters prevent proper drainage, contributing to ice buildup and potential water damage.
Safe Snow Removal Tips
If you notice significant snow buildup on your roof, it’s crucial to remove it before it becomes a hazard. While professional snow removal services are available, you can also take steps to clear snow yourself – safely and effectively:
- Use a snow rake: This allows you to clear snow while standing safely on the ground.
- Watch for falling snow and ice: A sudden shift in weight can trigger a snow avalanche.
- Secure your ladder: If you must use a ladder, make sure it’s stable and secured at both the top and bottom.
- Clear deep snow first: This relieves the most pressure from the roof.
- Move snow downward, not sideways: This prevents damage to shingles and roofing materials.
Does Your Insurance Cover Snow & Ice Damage?
While prevention is key, insurance is there to help when the unexpected happens. Many homeowners and commercial property insurance policies cover damage caused by snow and ice, including roof collapse and water damage from ice dams. However, coverage varies based on your policy and insurer. It’s important to:
- Review Your Policy: Ensure you have coverage for structural damage, ice dams, and liability protection.
- Understand Exclusions: Some policies may not cover damage due to poor maintenance or neglect.
- Talk to Your Agent: Our team is here to help you understand your coverage and ensure you have the right protection in place.
Be Prepared
Proactive snow removal and ice dam prevention can help you avoid costly repairs and insurance claims. But if disaster strikes, having the right insurance coverage can make all the difference. Contact us today to review your policy and make sure your home or business is fully protected all winter.
