Ice Dam

Water damage on a ceiling or wall often gets labeled as a “roof leak,” but in winter, that assumption can be costly. Ice dam damage and roof leaks may look similar inside the home, yet they are caused by very different mechanisms. More importantly, insurance companies often evaluate and handle them differently. Understanding the distinction can directly impact how your claim is documented, covered, and ultimately paid. What Is an Ice Dam? Ice dams form when snow on a roof mel

Winter brings more than snow and cold temperatures. It also creates some of the most expensive and misunderstood types of property damage homeowners face each year. Frozen pipes, pipe bursts, and ice damming don’t always cause immediate, obvious destruction. In many cases, the damage quietly spreads before homeowners realize anything is wrong. Knowing what to watch for and how to respond can make a significant difference in how smoothly the insurance claim process goes. Why W

Michigan’s polar vortex conditions are more than just uncomfortable. Prolonged subzero temperatures create the perfect environment for serious and often unexpected property damage. Each winter, homeowners across the state face costly losses caused by frozen pipes, pipe bursts, and ice damming, many of which escalate quickly if not handled properly. Understanding how this type of damage happens and knowing what steps to take immediately can make a significant difference in bot