Roof Snow Removal & Ice Dams: Protecting Property & Managing Risk (2026)

Winter in Canada is beautiful, but when the snow piles up, it becomes a heavy liability. For homeowners, the weight of accumulated snow poses a serious threat of roof collapse. For contractors, roof snow removal is one of the most dangerous—and lucrative—services offered during the season.

But here is the question we get at Summit Cover: "At what point does the weight of snow cause property damage, and are you insured to handle it?"

In this guide, we break down the risks of heavy snow loads, ice dams, and the specific coverage snow removal professionals need before climbing that ladder.

Can the Weight of Snow Cause Property Damage?

The short answer is YES.

While Canadian building codes are strict, an older roof or an exceptional storm can exceed the structural load capacity.

• Fresh Snow: Weighs about 3 to 5 lbs per square foot.
• Packed/Wet Snow: Can weigh over 20 lbs per square foot.
• Ice: Weighs a massive 57 lbs per square foot.

If a roof isn't cleared properly, the sheer weight can cause bowing, leaks, or a catastrophic collapse. This is why the demand for removed snow services spikes in February and March.

The Hidden Danger: Ice Dams

It’s not just about weight. One of the biggest search terms for homeowners is how to stop Ice Dams.

An ice dam forms when heat escapes your attic, melts the snow on the roof, and then refreezes at the gutters. This wall of ice prevents water from draining, forcing it to back up under the shingles and into the house.

For Contractors: Removing an ice dam often involves steam machines or chemicals. If you damage the shingles while chipping away ice, General Liability Insurance is the only thing standing between you and a lawsuit.

Roof Snow Removal: A High-Risk Service

Walking on a sloped, icy roof is treacherous. Standard "Snow Removal Insurance" (for plowing driveways) often EXCLUDES roof work.

If you are a contractor offering roof snow removal, you must verify your policy.

• Height Restrictions: Does your policy limit work to 2 stories?
• Heat Application: If you use steam to melt ice, do you have a "Hot Roofing" endorsement?

At Summit Cover, we ensure your policy matches your tools—whether you are using shovels, rakes, or heavy-duty snow removal machines on the ground.

Liability for Slip & Fall (Even on Roofs)

You might think "Slip and Fall" only happens on sidewalks. But what if:

1. You are throwing snow off a roof and it hits a parked car below?
2. A chunk of ice slides off after you leave and injures a pedestrian?
3. One of your crew members slips off the ladder?

Without the right Commercial General Liability (CGL) and Worker’s Compensation, one accident could bankrupt your business.

Final Thoughts: Don't Get Buried in Claims

Whether you are a homeowner looking to protect your investment or a contractor expanding into roof snow removal services, understanding the risk is step one.

Snow looks soft, but it is heavy, destructive, and legally complicated.

Contractors: Are you covered for roof operations?Homeowners: Is your snow removal company insured?

👉 Check Your Snow Removal Insurance Coverage Here

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