• Link to Facebook
  • Link to X
  • Link to Instagram
  • Link to LinkedIn
800 222 8711| Contact Us| Submit a Claim| Pay My Bill| Client Portal
Murphy Insurance
  • Get A Quote
    • Auto Insurance Quote
    • Homeowners Quote
    • Condominium Quote
    • Renters Insurance Quote
    • Umbrella Liability Quote
    • Boat Insurance Quote
    • Valuables Coverage Quote
    • Life Insurance Quote
    • Term Life Insurance Quote – Instant
    • Disability Insurance Quote
    • Long-Term Care Quote
    • Business Insurance Quote
    • Employee Benefits Quote
    • Other Insurance Quote
  • Personal
    • Overview
    • Auto Insurance
      • Overview
      • Auto Insurance Discounts
      • Auto Insurance Coverage Options
      • Auto Insurance Rating Factors
      • Change of Garaging
      • Registry Service
    • Motorcycle Insurance
    • Recreational Vehicle Insurance
    • Homeowners Insurance
      • Overview
      • Earthquake Insurance
      • Mobile Home Insurance
      • Homeowner’s Manual
    • Condominium Insurance
      • Condo Owner’s Manual
    • Renters Insurance
    • Personal Umbrella Insurance
    • Flood Insurance
    • Boat Insurance
    • Financial Insurance
    • Life Insurance
    • Term Life Insurance
    • Disability Insurance
    • Long-Term Care Insurance
    • Event & Specialized Insurance
      • Event Insurance
      • Wedding Insurance
  • Business
    • Overview
    • Commercial Property Insurance
      • Commercial Package Policy
      • Business Owner Policy
      • Business Interruption Insurance 
      • Ordinance or Law
    • Business Liability Insurance
    • Commercial Auto Insurance
    • Workers’ Compensation Insurance
    • Business Insurance Bonds
    • Employee Benefits
      • Group Health Insurance
      • Group Dental Insurance
      • Group Life, Disability & Long-Term Care Insurance
      • Voluntary Employee Benefits
    • Business Continuation Planning
    • Industry Specialties
      • Antique Dealer Insurance
      • Banking & Financial Institution Insurance
      • Contractor Insurance
      • Construction Insurance
      • Farm & Agriculture Insurance
      • Manufacturing Insurance
      • Restaurant Insurance
      • Religious Institution Insurance
      • Solar Contractor Insurance
      • Technology Business Insurance
    • Business Spotlight Series
  • Resources
    • Overview
    • Business Spotlight Series
    • Claims Center
    • Certificate of Insurance Request
    • Condominium Owner’s Manual
    • FAQs (Frequently Asked Questions)
    • Forms Center
    • Insurance Tips
    • Helpful Links
    • Homeowner’s Manual
    • Insurance Companies
    • Insurance Myths
    • Murphy Insurance 24 | Client Portal
    • Pay My Bill
  • Blog
  • About
    • Why Choose Us?
    • Locations
      • Bolton, MA Office
      • Groton, MA Office
      • Harvard, MA Office
      • Hudson, MA Office
      • Marlborough, MA Office
      • Medway, MA Office
    • Careers
      • Business Sales Executive
      • Business Acct Mgr (Harvard)
      • Business Acct Mgr (Hudson)
      • Financial Insurance Manager
    • Communities Served
    • Meet the Team
    • Our Values
    • We’re A Five Star Agency
    • Trusted Choice Agency
    • Donation and Sponsorship Requests
    • Customer Reviews
    • Share A Review Of Us
  • Contact
  • Click to open the search input field Click to open the search input field Search
  • Menu Menu
  • Home Page
  • Contact Us
  • Locations
  • Get A Quote
  • Claims Center
  • Personal Insurance
  • Business Insurance
  • Certificate of Insurance Request
  • About Us
  • Careers
  • Blog
  • Resources
  • Pay My Bill
  • Forms Center
  • Murphy Insurance 24 | Client Portal
  • Auto Insurance
  • Homeowners Insurance
  • Renters Insurance
  • Share a Review
You are here: Home1 / Blog2 / Personal Insurance3 / Ice Dams: A Winter Challenge for Homeowners

Ice Dams: A Winter Challenge for Homeowners

January 10, 2025|byMurphy Insurance|inPersonal Insurance|home maintenance, homeowners insurance, ice dams, personal insurance, snow melt, snow removal, winter

Ice dams are more than just an inconvenience—they can cause significant damage to your home. While prevention is the best strategy, ice dams can still form despite your efforts, so having a response plan is crucial.

Ice dams occur when attic air warms to above freezing, causing snow on the roof to melt. As the water runs down the roof and reaches the colder edges, it refreezes, creating an ice dam.

Ice Dams
Click here to submit an inquiry to Murphy Insurance or call us at 800 222 8711

These dams block water from draining off the roof, causing it to pool and seep under shingles, into the attic, or along exterior walls.

Statistics on Ice Dams

  • According to industry reports, 1 in 4 homes in colder climates experience ice dams each winter.
  • Poor insulation and ventilation contribute to 80% of ice dam cases, making prevention measures essential.

How to Prevent Ice Dams

Preventing ice dams is important because they can lead to costly water damage, roof issues, and unexpected winter repairs. Taking proactive steps helps protect your home, reduce the risk of insurance claims, and prevent disruptions from leaks or interior damage. A little prevention now can save homeowners significant time, stress, and expense later.

Keep Your Roof Cold

  • Ventilate Your Attic: Proper ventilation replaces warm air with cold air from outside. Ridge vents, soffit vents, or gable vents can help maintain a cool attic temperature.
  • Seal Heat Leaks: Identify and seal areas where warm air escapes into the attic. Common penetration points include:
    • Exhaust fans
    • Ceiling light fixtures
    • Plumbing vents and heating ducts
    • Chimneys
    • Attic hatches or pull-down stairs
    • Electrical cables
  • Insulate Living Spaces: Add insulation to prevent heat from escaping into the attic.

Remove Snow Safely

After a snowstorm, use a roof rake to remove snow a few feet back from the roof’s edge. Stand on the ground and gently pull the snow down to avoid damaging the shingles.

Maintain Gutters

Clear gutters in the Fall season to ensure water drains freely. While clean gutters don’t eliminate ice dams, clogged gutters can worsen the problem by trapping water and debris.

What to Do if You Get an Ice Dam

If you notice water stains on your ceiling or walls, act quickly.

  1. Remove Snow from the Roof: Use a roof rake to clear snow above the ice dam, pulling downward to avoid damaging shingles.
  2. Relieve Backed-Up Water:
    • Some suggest gently chiseling small grooves in the ice to allow water to escape. However, avoid damaging shingles, which are brittle in the cold.
    • Avoid using rock salt, as it is corrosive and can harm your roof and nearby vegetation.
  3. Consider Calcium Chloride:
    • Fill a nylon stocking with calcium chloride ice melt and place it perpendicular to the roof edge to create drainage channels.
    • Be aware that even calcium chloride can be corrosive to certain materials.

Safety First: Never climb on a snowy or icy roof due to the risk of falling. If using a ladder, follow safety instructions carefully.

Professional Help

For safe and effective removal, hire a professional. Improper techniques can cause personal injury or damage to your roof.

Note: Murphy Insurance is not a roofing expert and cannot guarantee results from these measures. Consult a qualified contractor or roofing specialist for the best solutions for your situation.

Does a Homeowners Insurance Policy Cover Ice Dam Damage?

Homeowners’ insurance policies typically cover damage caused by ice dams. Sudden and accidental water damage, like leaks affecting ceilings, walls, insulation, or personal belongings, is covered. Because coverage can vary, it’s always best to review your policy and reach out to your insurance advisor if you suspect ice dam damage.

Note: If you own a condominium, structural damage caused by ice dams may fall under the condominium association’s master policy. You may want to double-check with your association that the master policy provides coverage for such situations.

Read Our Ice Dam Blog Posts

What to Do When Ice Dams Form A Practical Guide for New England Homeowners

What to Do When Ice Dams Form: A Practical Guide for New England Homeowners

February 25, 2026
Ice dams can form quickly during New England winters and lead to leaks, interior damage, and costly repairs. Learn what causes ice dams, the early warning signs to watch for, and the safest steps to take if one has already formed. This guide also shares simple prevention tips to help protect your roof and home throughout the winter.
Read more
https://www.dfmurphy.com/wp-content/uploads/What-to-Do-When-Ice-Dams-Form-A-Practical-Guide-for-New-England-Homeowners.jpg 628 1200 Wayne Texeira https://dfmurphy.wpenginepowered.com/wp-content/uploads/Murphy-Insurance-Logo-Header.jpg Wayne Texeira2026-02-25 17:02:182026-05-17 12:06:40What to Do When Ice Dams Form: A Practical Guide for New England Homeowners
Ice Dams

Ice Dams: A Winter Challenge for Homeowners

January 10, 2025
Read our blog post, Ice Dams: A Winter Challenge for Homeowners for some great tips on preventing ice dams and what to do in the case of ice dams on your roof. Ice dams are more than just an inconvenience—they can cause significant damage to your home. While prevention is the best strategy, ice dams can still form despite your efforts, so having a response plan is crucial. Ice dams occur when attic air warms to above freezing, causing snow on the roof to melt. As the water runs down the roof and reaches the colder edges, it refreezes, creating an ice dam. These dams block water from draining off the roof, causing it to pool and seep under shingles, into the attic, or along exterior walls.
Read more
https://www.dfmurphy.com/wp-content/uploads/Ice-Dams-1200.jpg 628 1200 Murphy Insurance https://dfmurphy.wpenginepowered.com/wp-content/uploads/Murphy-Insurance-Logo-Header.jpg Murphy Insurance2025-01-10 01:23:562026-02-26 11:08:49Ice Dams: A Winter Challenge for Homeowners
How to Prevent Ice Dams

How to Prevent Ice Dams

January 20, 2022
Prepare yourself for winter's worst nightmare: ice dams. While prevention is key, having a plan in place is crucial for dealing with these roofing woes.
Read more
https://www.dfmurphy.com/wp-content/uploads/Untitled-design-62.jpg 628 1200 Murphy Insurance https://dfmurphy.wpenginepowered.com/wp-content/uploads/Murphy-Insurance-Logo-Header.jpg Murphy Insurance2022-01-20 09:00:182025-03-23 13:06:44How to Prevent Ice Dams
Previous Previous Previous Next Next Next

Visit Our Homeowners Insurance Page

Homeowners Insurance

At Murphy Insurance, we take great care in assessing your options for homeowners insurance to ensure that you receive the most favorable value. Our dedication to serving you entails collaborating with highly-rated insurance providers and conducting comprehensive assessments of available choices. Our goal is to achieve the ideal equilibrium between affordability and coverage that suits your unique needs. Please let us provide you with a customized homeowners insurance quote.

Search Our Site

Search Search

Recent Posts

  • Cybersecurity Essentials | Password Management Best Practices August 20, 2026
  • Electrical Safety | Homeowner’s Manual Blog Series August 17, 2026
  • Your Guide to Fall Festivals in MetroWest Massachusetts and Beyond (2026) August 14, 2026
  • Home Inventory Made Simple | The 30-Minute Method That Helps Claims Go Faster August 13, 2026
  • The Time Is Now to Kick-start Open Enrollment Efforts August 10, 2026
  • Gaining Real-World Business Experience Through Assabet Valley’s Co-op Program August 6, 2026
  • Do College Students Need Renters Insurance? August 3, 2026
  • Certificates of Insurance: The Costly Mistakes Many Businesses Don’t Catch July 30, 2026
  • 5 Ways to Stay Cool Under Summer Pressure July 24, 2026
  • Safe Internet Browsing Practices July 21, 2026
  • Massachusetts Launches 2026 Low-Number License Plate Lottery With 237 Plates Up for Grabs July 15, 2026
  • Business Interruption Insurance: The Coverage That Keeps Your Business Alive When You Can’t Open Your Doors July 14, 2026
  • Outdoor Maintenance | Homeowner’s Manual Blog Series July 9, 2026
  • A Safer Start to Summer: Simple Habits for a Fun and Worry-Free Fourth of July July 1, 2026
  • What Counts as a Home-Based Business (and When Your Home Policy Isn’t Enough) June 30, 2026
  • Workers’ Comp 101 for Massachusetts Employers June 25, 2026
  • Why Disaster Planning Matters: Protecting Your Business from Supply Chain Disruptions June 22, 2026
  • Tropical Storm Arthur—a Reminder That Hurricane Season Has Begun June 18, 2026
  • What to Do When Your Home Insurance Company Requires Repairs June 16, 2026
  • Swimming Pool Safety | Homeowner’s Manual Blog Series June 11, 2026
  • Cyber Insurance for Small Businesses | What It Actually Covers and What It Does Not June 8, 2026
  • National Safety Month: Building a Safer Workplace and a Stronger Business June 4, 2026
  • Home Insurance “Rebuild Cost” vs. Market Value, Why it Matters June 2, 2026
  • HVAC System Care & Energy Efficiency | Homeowner’s Manual Blog Series May 28, 2026
  • Common Renters Insurance Myths, Busted for Massachusetts Renters May 26, 2026

Blog Posts By Category

  • Auto Insurance (30)
  • Business Insurance (211)
  • Community (13)
  • Condominium Insurance (3)
  • Homeowners Insurance (35)
  • Personal Insurance (398)
  • Renters Insurance (9)

Blog Posts by Topic

auto auto accident auto insurance business business insurance car insurance claims commercial auto insurance commercial insurance condo insurance cyber liability insurance deductibles driving safety driving tips fire safety flood insurance general business insurance general safety holiday travel home home insurance home maintenance homeowners insurance home repairs home safety home tips house safety tips hurricane season liability insurance life insurance murphy insurance personal insurance personal liability personal umbrella policy premiums property damage renters insurance rmv road rules road safety safety Small Business Tips winter workers comp workers compensation insurance

Contact Us

  • Contact Us
  • toll-free: 800 222 8711
  • Bolton, MA: 978 779 5566
  • Groton, MA: 978 448 3900
  • Harvard, MA: 978 772 0070
  • Hudson, MA: 978 568 8711
  • Marlborough, MA: 508 485 8211
  • Medway, MA: 508 422 9277
  • Opt-out preferences
  • Disclaimer

Communities

Murphy Insurance Agency provides insurance solutions across Massachusetts and New England. Where you live is not a barrier to our assisting you. We are proud to serve the communities where our customers live and work, including Acton, Ashland, Ayer, Bellingham, Berlin, Blackstone, Bolton, Boston, Boxborough, Boylston, Chelmsford, Clinton, Concord, Devens, Dunstable, Fitchburg, Foxborough, Framingham, Franklin, Groton, Harvard, Holliston, Hopedale, Hopkinton, Hudson, Lancaster, Leominster, Littleton, Lunenburg, Marlborough, Maynard, Medfield, Medway, Mendon, Milford, Millis, Millville, Natick, Norfolk, Northborough, Northbridge, Pepperell, Sherborn, Shirley, Shrewsbury, Southborough, Sterling, Stow, Sudbury, Townsend, Upton, Uxbridge, Wayland, Westborough, Westford, Weston, Whitinsville, Worcester, and last but not least, Wrentham.

About Us

  • Overview
  • Why Choose Us?
  • Locations
  • Careers
  • Communities Served
  • Meet Our Team
  • Our Values
  • Trusted Choice Agency
  • We’re A Five Star Agency
  • Customer Reviews
  • Share a Review of Us
  • Your Opinion Matters

Get A Quote

  • Quote Overview
  • Auto Insurance Quote
  • Homeowners Insurance Quote
  • Condominium Insurance Quote
  • Renters Insurance Quote
  • Umbrella Liability Quote
  • Valuables Coverage Quote
  • Boat Insurance Quote
  • Business Insurance Quote
  • Employee Benefits Quote
  • Life Insurance Quote
  • Term Life Insurance Quote – Instant
  • Disability Insurance Quote
  • Long-Term Care Insurance Quote
  • Other Insurance Quote

Resources

  • Overview
  • Business Spotlight Series
  • Certificate of Insurance Request
  • Claims Center
  • Client Portal
  • Condominium Owner’s Manual
  • FAQs (Frequently Asked Questions)
  • Forms Center
  • Helpful Links
  • Homeowner’s Manual
  • Insurance Companies
  • Insurance Myths
  • Insurance Tips
  • Pay My Bill

Personal Insurance

  • Overview
  • Auto Insurance
  • Motorcycle Insurance
  • Homeowners Insurance
  • Condominium Insurance
  • Renters Insurance
  • Flood Insurance
  • Personal Umbrella Insurance
  • Boat Insurance
  • Recreational Vehicle Insurance
  • Financial Insurance
  • Life Insurance
  • Term Life Insurance
  • Disability Insurance
  • Long-Term Care Insurance

Business Insurance

  • Overview
  • Business Continuation Planning
  • Business Insurance Bonds
  • Business Liability Insurance
  • Business Owner Policy
  • Business Spotlight Series
  • Commercial Auto Insurance
  • Commercial Package Policy
  • Commercial Property Insurance
  • Employee Benefits
  • Industry Specialties
  • Workers’ Compensation Insurance

Legal

  • Accessibility Statement
  • Privacy Policy
  • Terms and Conditions of Use
  • Site Map

Read Our Blog

See all our posts

Recent Posts

  • Cybersecurity Essentials | Password Management Best Practices August 20, 2026
  • Electrical Safety | Homeowner’s Manual Blog Series August 17, 2026
  • Your Guide to Fall Festivals in MetroWest Massachusetts and Beyond (2026) August 14, 2026
  • Home Inventory Made Simple | The 30-Minute Method That Helps Claims Go Faster August 13, 2026
  • The Time Is Now to Kick-start Open Enrollment Efforts August 10, 2026
  • Gaining Real-World Business Experience Through Assabet Valley’s Co-op Program August 6, 2026
  • Do College Students Need Renters Insurance? August 3, 2026
  • Certificates of Insurance: The Costly Mistakes Many Businesses Don’t Catch July 30, 2026
  • 5 Ways to Stay Cool Under Summer Pressure July 24, 2026
  • Safe Internet Browsing Practices July 21, 2026
  • Massachusetts Launches 2026 Low-Number License Plate Lottery With 237 Plates Up for Grabs July 15, 2026
  • Business Interruption Insurance: The Coverage That Keeps Your Business Alive When You Can’t Open Your Doors July 14, 2026
  • Outdoor Maintenance | Homeowner’s Manual Blog Series July 9, 2026
  • A Safer Start to Summer: Simple Habits for a Fun and Worry-Free Fourth of July July 1, 2026
  • What Counts as a Home-Based Business (and When Your Home Policy Isn’t Enough) June 30, 2026
© Copyright 2026 D. F. Murphy Insurance 50 Main Street Hudson, MA 01749 (800) 222-8711 | Website Designed by Elbow Grease Marketing
  • Link to Facebook
  • Link to X
  • Link to Instagram
  • Link to LinkedIn
Link to: Does My Insurance Cover Pothole Damage? Link to: Does My Insurance Cover Pothole Damage? Does My Insurance Cover Pothole Damage?Driving car Link to: Tips for Driving in Extreme Weather Link to: Tips for Driving in Extreme Weather Car in snowTips for Driving in Extreme Weather
Scroll to top Scroll to top Scroll to top
Manage Consent
To provide the best experiences, we use technologies like cookies to store and/or access device information. Consenting to these technologies will allow us to process data such as browsing behavior or unique IDs on this site. Not consenting or withdrawing consent, may adversely affect certain features and functions.
Functional Always active
The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network.
Preferences
The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user.
Statistics
The technical storage or access that is used exclusively for statistical purposes. The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you.
Marketing
The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes.
  • Manage options
  • Manage services
  • Manage {vendor_count} vendors
  • Read more about these purposes
View preferences
  • {title}
  • {title}
  • {title}