Arthur D. Calfee Insurance Agency, Inc.
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Falmouth Homeport Office
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Ice damming occurs when melting snow runs down the surface of a roof and re-freezes.
As run-off refreezes, the ice builds up and begins to dam the subsequent run-off, causing it to pool.
Unfortunately, shingles are designed to shed water with the help of gravity and they don’t perform well against the standing water. Some of the pooled water finds its way under shingles to hidden seams and fastener holes. Some of it re-freezes under the tabs and lifts the shingles, literally opening a floodgate.
Do I need a Flood Policy?