An ice dam is an accumulation of ice at the lower edge of a sloped roof, usually at the gutter. When interior heat melts the snow on the roof, the water will run down and refreeze at the roof's edge, where temperatures are much cooler. Eventually, the ice builds up and blocks water from draining off of the roof. This, in turn, forces the water under the roof covering and into your attic or down the inside walls of your house.
With the large amount of rain we have received and are expected to receive, many people have discovered water in their basement and find themselves asking...do we have coverage?
Water or Sewer Backup Coverage provides coverage in the event that water backs-up through sewers, drains, pipes, or a sump pump.