Storm Damage—Coverage
for Ice Damming (HO-2)

Q

I am requesting your view on a problem that has come up during the processing of winter storm claims here in the Northeast. The HO-2 form does not include ice damming, i.e., the condition where melting snow and ice freezes at the eve of the roof forming a dam and causing water to back up under the shingles and enter the structure.

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