What in the world is an ice dam? To put it simply, it is an accumulation of frozen water in the gutter system and at the roof edge that prevents subsequent drainage of melting snow from leaving the roof/gutter system. Ice dams are common in areas (e.g., think Minnesota, North Dakota, and Wisconsin) that receive heavy snow buildups.
In most cases, ice dams begin inside the house when heated air leaks up into the unheated attic. In the winter, the roof above this attic is cold. When warm air leaks into the attic, it creates warm areas on the roof, which cause the snow on the exterior of the roof to melt. The melting snow moves down the roof slope until it reaches the cold overhang, where it refreezes. The process continues, causing ice to build up along the eaves and form a dam. Eventually, this dam forces the water to back up under the shingles and sometimes into the ceiling or wall inside the home. This phenomenon may cause structural framing members to decay, metal fasteners to corrode, and mold to form in the attic and the wall surfaces. Few homeowners policies pay for ice dam removal. Interior or exterior damage, however, caused by an ice dam on the roof is typically covered under a special perils homeowners form.
There are measures that home owners in colder climates can take to reduce the chance of ice dams, including the following.
Copyright 2017
International Risk Management Institute, Inc.