One snowstorm. One warm attic. One cold roof edge.

That’s really all it takes. An ice dam forms, water pools behind it, and it’s over. Suddenly, your shingles are lifting, your drywall is sagging, and your insulation is soaked. In Meridian, ID, this isn’t rare. It’s just winter, the same winter every year.

If your home insurance isn’t built to handle it, you’re not just dealing with repairs. You’re dealing with delays, denials, and damage you didn’t see coming.

Idaho Select Insurance helps Meridian homeowners face winter with policies that don’t fall apart the moment their roof leaks.

Most Policies Say “Maybe,” Not “Yes”

As usual with insurance, the devil is in the details. Home insurance doesn’t always give a straight answer when it comes to ice dam damage. You’re convinced you’re covered, you file the claim, and then comes the fine print and the disappointment.

Insurers ask:

• Was your roof properly maintained?
• Did poor insulation or ventilation cause the dam?
• Did you act fast once water got in?
• Could it have been prevented with basic upkeep?

The danger is clear. If the answer to any of these is no, your payout could shrink or disappear entirely. That’s not just frustrating, it’s expensive.

What You Do Before the Storm Decides What Happens After

You’re in control. You don’t have to wait until it’s too late. Prevention is more than protection; it’s part of the proof.

To keep your coverage valid, do this:

• Clean gutters before and during winter
• Add insulation to your attic to keep heat from escaping
• Seal air leaks around vents, fans, and lights
• Use a roof rake to pull snow off the edges after heavy storms
• Keep photos and receipts to show your maintenance efforts

If you wait until water drips through the ceiling, it’s already too late to prepare.

Idaho Select Insurance works with homeowners across Meridian to review what’s covered, what’s at risk, and what to do now instead of later.

Snow is quiet. Ice dams are silent. But the damage is loud and expensive. Call Idaho Select Insurance in Meridian, ID, and ensure your home insurance covers you when your roof is under pressure.