What causes an ice dam on a roof in Lakewood?
Heat from the house melts snow on the upper roof, and that water runs down until it reaches the cold eave, where it refreezes. Each cycle adds ice, and the dam holds back fresh melt.
Heat escaping from the rooms below can warm the underside of the roof boards and melt snow from beneath. The roof ends up warm in the middle and cold at the edge, which is the mechanism to remember.
Slate and tile shed water, so a dam has to grow large before it shows. Built-in eaves gutters hold meltwater right at the edge, where the ice is thickest. We get less lake-effect snow than the east side, but we get the same freezes and the same thaws.
How do I tell an ice dam leak from another roof leak?
An ice dam leak usually shows up after a thaw or a warm spell, near the eaves or on the wall under the gutter line. A leak that runs only in heavy summer rain points to a different source.
Look for ice ridges along the eave, unusually thick icicles, or water coming out where the gutter meets the wall. Inside, watch for staining on the top-floor ceiling, bubbling paint or a drip that starts only during thaw.
You do not need to settle the cause before calling. The crew uses moisture meters and thermal imaging to map the wet area, which often shows more than the stain does. The cause and any roof repair belong to a roofer.
What does the crew do inside the house?
The crew finds the wet area, removes what cannot be dried, and sets air movers and dehumidifiers. It re-checks readings until the materials are dry.
Wet ceiling drywall, insulation and sometimes the subfloor above are the usual items. Plaster ceilings in older houses dry slowly, and some may need to be opened so air can reach the wet layers.
Drying is measured, not guessed. Readings are logged room by room, and the crew can give you photos and moisture readings for your claim. Repairs after drying are quoted separately.
What moves the price up or down here?
The size of the wet area, how far the water traveled, the materials involved and access all shape the job. The price is explained and approved before work begins.
In a double, water can cross from the upper flat into the lower one, so the crew may need to check both units. Plaster, an old softwood subfloor or a ceiling that has to be opened adds drying time and more work.
A third-floor apartment or a narrow attic stair changes how long the crew needs on site. The emergency stage is explained and approved first, and the price is confirmed on site before any work begins.
Will my insurance cover ice dam damage?
That depends on your policy and the cause, and your insurer makes that decision. Check your policy or ask your agent before you need to file a claim.
A standard homeowners policy generally responds to sudden and accidental water damage and generally does not cover long-term or gradual leaks. How a roof leak from a dam is treated can depend on the policy wording, so ask your insurer directly.
Take photos before anything is moved, and call your insurer early. The crew can document the damage for your claim, but coverage is decided by your insurer. Tenants should check renters insurance, since the building belongs to the owner.