While reviewing insurance applications or policy updates, companies must consider a variety of factors to analyze the risk and decide whether they should accept the policy, and at what cost and conditions. With so many variables, it’s important to seek recommendations from an unbiased third-party vendor that can offer comprehensive insight about risk potential, while staying within the applicable underwriting window.

Ice dams are a common threat in northern states during the colder months, and they can result in sizeable property damage claims. Homeowners and building maintenance crews continue to be the front line against this threat. However, insurance professionals should also be knowledgeable in this area so that agents can provide informed coverage advice, underwriters can accurately assess risk, and adjusters can accurately evaluate claims.