Policy confusing? Ask Poli.
Does homeowners insurance cover ice dam damage?
Weight of ice is usually a named peril, but the repeated-seepage exclusion and the roof-maintenance exclusion often meet the same claim.
What filed forms generally say
Most forms name weight of ice, snow or sleet as a covered peril for damage to the building, which is the clause that ice-dam claims are usually paid under.
Water that works under shingles and into the ceiling over weeks can instead land in the constant-or-repeated-seepage exclusion, so timing matters to how the loss is characterized.
Some forms limit or exclude damage to awnings, fences, gutters and outdoor equipment from the weight-of-ice peril even while covering the dwelling.
Why your policy can still say something else
Whether gutters and attached structures are inside or outside the peril, and how your form words the seepage exclusion, are policy specific.
Clauses to look for in your own document
- Perils Insured Against — Weight of Ice, Snow or Sleet
- Exclusions — Seepage or Leakage
- Coverage B — Other Structures
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PoliSays explains document wording. It is not an insurer, broker, or law firm, and nothing here is advice.