Does my insurance cover ice dam damage?

Standard homeowner's insurance typically covers ice dam damage if it results from a sudden event such as a winter storm. Damage to your roof, ceilings, walls, and personal belongings from water that enters through ice dams is generally covered. However, damage from gradual freezing, lack of maintenance, or failure to prevent ice buildup may be excluded. Some policies specifically limit coverage for ice dam claims. Keep gutters clean, ensure proper attic insulation and ventilation, and promptly remove snow buildup near your roofline to minimize risk.