Bozeman Ice Dam Claims

Winter in southwest Montana often brings with it plenty of snow to the enjoyment of most outdoor enthusiasts, but it also presents challenges for homeowners with ice dam claims.  One of the most common issues associated with the significant amount of snow accumulation in places like Bozeman Montana are ice dams.  These ice formations can impact roofs, gutters, and interiors, causing substantial damage if not addressed promptly.  As winter sets in it is important to understand how ice dams form, how to identify them, and the common damages they cause. Additionally, strategies to prevent and mitigate their impact.  Our Bozeman public adjusters are well versed in recovering ice dam insurance claims when damage arises.

A home’s snow accumulation, subfreezing temperatures, and heat loss all combine to cause ice dams of varying severity.  Rooftop snow accumulation occurs as winter wears on, serving as the fuel source for ice dams to form.  The snowpack on the higher parts of the roof melt when the inside heat rises and warms the roof. The eaves are colder than the rest of the slope because of overhangs and only has indirect exposure to interior heat. The melted water flows down the slope, reaching the eave where a layer of ice is created here when the water refreezes.

The ice layer at the eaves thickens with each melting and refreezing cycle, forming a dam that prevents the flow of melted water.  After that, the water that was trapped behind the dam rises again, seeping through the shingles and into the inner workings of the roof, and in some cases to the interior of the building. Ice Dams can occur on flat and metal roofs as well.

Below is a visual representation from the National Weather Service’s page on ice dams.

Common Damage Caused by Ice Dams

Roof Damage Caused by Ice Damage
Integrity of a roof can be degraded by shingles being lifted and damaged by the weight and pressure of ice dams.  If this damage is not repaired, it may result in leaks and more serious structural problems.  Water that builds up behind ice dams may seep into the roof structure, jeopardizing the decking, shingles, and structural components. On metal roofs, ice dams attack the eaves, laps and seams in the form of “ice-jacking.”  The term “ice jacking” describes a phenomenon in which expanding ice presses against buildings or other objects, causing lifting, displacement, or damage.  This can happen in a lot of different places, like frozen ground, paved surfaces, or even construction materials.  Water expands when it freezes, and if this expansion isn’t allowed to continue, it can exert a lot of force and break or disturb the material in question.

Gutter and Downspout Damage Caused by Ice Dams
Ice dams almost always extend into downspouts and gutters, clogging them.  This obstructs appropriate drainage, resulting in more propagation of the existing ice dam.  Further, the weight of ice buildup in gutters and downspouts can put strain on these components, possibly leading to their separation from the fascia or roof.

Interior Damage Caused by Ice Dams
Water seeping through the roof can leave unsightly stains on ceilings, walls, and even flooring. These stains not only diminish the aesthetic appeal of a home but also serve as visible indicators of underlying water damage. Damage presenting itself in the form of peeled paint or stains may indicate widespread damage to the interior walls and floors. Moisture infiltrating the interior due to ice dams creates an ideal environment for biological growth to flourish. Beyond the cosmetic issues, a wet environment can pose health risks for inhabitants.  Water may also reach your electrical components.  Therefore, water intrusion in your home can also pose a risk of fire hazards.