In Maine, home insurance provides coverage in the event of damage to your property due to any natural disaster listed on the policy. Not all water damage is covered by insurance; so it’s important to understand what is and isn’t covered. It’s also important to do all you can to prevent water damage to your home.

In a freezing cold winter, it’s vital to prevent “ice-dams” from forming at your roof’s edges as these may prevent water on the roof from properly draining, causing leakage into the house. When left too long, the build-up of snow and ice may also lead to roof collapse.

The Insurance Institute of Business and Home Safety (IBHS) recommend the following:

–    Clearing drains and gutters of debris and vegetation.

–    Pruning trees that overhang the roof.

–    Installing heating cables on gutters and downspouts.

–    Increasing ceiling insulation.

–    Heating of attic spaces to help melt any snow on the roof.

–    Regular roof inspection and maintenance.

The types of maintenance and preventive measures for ice-dam build-up will depend in the type of roof, whether steep- or low-sloped, monoslope, or flat. All maintenance should be done by a professional roof contractor only.

While regular maintenance is vital, it is still very important to have adequate Maine home insurance for your property and personal financial protection in case of natural disaster, accident or theft. It is also a good idea to regularly review your policy to ensure your coverage is up-to-date and sufficient.