Ice Damage Insurance Claims in Minnesota

Ice dams and freeze damage are some of the most misunderstood and underpaid insurance claims in Minnesota. From attic leaks and saturated insulation to burst pipes and collapsed ceilings, the real impact often hides beneath the surface. We help homeowners and contractors identify, document, and present accurate claims for winter-related damage — even when adjusters overlook the full scope.

• Ice Dams on Roofs: We document exterior damage and interior leakage caused by backed-up melting snow trapped under frozen eaves.

• Interior Water Intrusion: Ice-related leaks often damage drywall, flooring, and electrical — all of which must be carefully scoped and justified.

• Freeze Breaks & Plumbing: Frozen pipes and mechanical system failures from extreme cold are common — and often missed in initial inspections.

• Attic & Insulation Damage: Moisture-wicking into attic spaces and insulation is often excluded without strong documentation — we fix that.

Our Ice & Freeze Claim Process

Winter claims can be technical and time-sensitive. Here’s how we make sure you’re covered — and compensated — for cold-weather losses:

• 1. Initial Review: We review the cause of loss and any prior estimates or adjuster notes for accuracy and completeness.
• 2. Full Site Inspection: Our team documents roof conditions, attic moisture, insulation status, and interior signs of freeze or leak damage.
• 3. Estimate Preparation: When needed, we build an Xactimate estimate or supplemental scope to reflect all damage and code compliance.
• 4. Dispute Resolution: If a claim is underpaid or denied, we support you in invoking the appraisal clause and resolving it fairly.
• 5. Final Settlement: Once approved, your funds are released and restoration can begin — without delays or guesswork.