With winter in full swing, there are bound to be claims from ice damming and frozen pipes. Having received a few questions over the years about coverage for ice damming we thought it might be helpful to look back at those questions. As we look at these questions it will hopefully give you some insights on where coverage will and will not apply as we go through each of these scenarios.

First, a Pennsylvania subscriber describes two separate claims where insurance coverage was denied on commercial buildings:

Question: