Ice dams are winter’s way of adding insult to injury. For weeks, you’ve weathered gray skies and the cold. You’ve shoveled sidewalks and driveways to the point of exhaustion. Just when you think you’ve got the upper hand, you look at your roof and notice a huge, eerie edge of ice that looks pretty—but is unsafe not only for your roof but people walking underneath. Let’s look more closely at what ice dams are, why ice dams are dangerous and how to prevent ice dams. The dark side of ice dams The one-of-a-kind, hexagonal crystalline structures that form ice may be nature’s masterpiece, but when they team up, beauty takes a chilling turn. [caption id="attachment_374" align="alignnone" width="500"] How ice dams form[/caption] Ice dams occur when water builds up behind a blockage of ice. More specifically: Heat rises into attics that aren’t properly insulated, causing snow on the roof to melt. As water runs… Continue reading "How to Prevent Ice Dams, Winter’s Insult to Injury"
“An ounce of prevention is worth a pound of cure.” Benjamin Franklin When it comes to winter weather, a little prevention goes a long way in keeping insurance costs down and peace of mind intact. Here are just some considerations to keep in mind when looking at beefing up your homeowners insurance for the winter. Tornadoes, hurricanes…and winter storms Did you know that winter storms are the third-largest cause of catastrophe losses in the U.S., behind tornadoes and hurricanes? According to the Insurance Information Institute (III), winter storms amount to 6.7% of all catastrophe losses—and that number is likely to escalate in the coming years due to residential and commercial development. Likewise in Canada, as MoneySense notes, insurance activity is on the rise because of the significant increases in extreme winter weather events, such as ice storms, cold snaps, and heavy rainfall. Insurance costs are skyrocketing As severe storms increase in number and severity,… Continue reading "Homeowners Insurance: Why You Should Be Covered This Winter"