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Cause · heat in the wrong place

Ice dams: why they form, how to remove them safely, and why the fix is in the attic

An ice dam is a Canadian roof problem with a Canadian cause. The house leaks heat into the attic, the heat melts the snow on the roof, the melt runs down to the cold overhang and freezes there. The ridge of ice grows, and the next melt has nowhere to go but back up under the shingles and into the ceiling.

This page sets out what Natural Resources Canada says about how ice dams form, where to look for them, what membranes do and do not do, the quick fixes and why NRCan says they fall short, how to deal with ice in the eavestrough, and what insurance does with water an ice dam lets in. The roof leak itself is on the roof leak page; this one is about the dam.

Read from primary sources · Editor-reviewed · Current as of September 20, 2026
By the waterdamagequotesca.com editorial team · Published October 4, 2026 · Last reviewed September 20, 2026 · 9 min read
7 primary sources cited on this page. How we check what is on this site

The short version

  • NRCan’s prevention for ice damming: seal all attic air leaks and insulate thoroughly.
  • Self-sealing membranes, required on the lower roof of new houses, stop the water getting in but do not stop the dam.
  • Axes and ice picks damage the roof; heating cables melt channels but use a lot of electricity, on NRCan’s account.
  • IBC: standard policies commonly cover sudden water damage from ice dams; ongoing or repeated damage is treated as maintenance.

What the roofer will call it

Ice dam vocabulary
What you would sayWhat the trade calls itWhy it matters
Ice along the roof edgeIce damHolds back melt water above it.
Big iciclesIcicles at the eaveOften the visible sign of a dam.
The rubber layer under shinglesSelf-sealing / ice-and-water membraneRequired on the lower roof of new houses; stops the leak, not the dam.
Wires on the roofElectric heating cablesMelt channels; NRCan notes the energy cost.
Melting it off with steamIce dam steamingA contractor service.
The cause in the atticAir leakage and insufficient insulationNRCan’s best prevention.
Vents at the eavesSoffit ventsKeep the roof deck cold; must not be blocked.

How an ice dam forms

Natural Resources Canada, Keeping the Heat In — Chapter 5, section 5.5 Ice dams · 2014

NRCan's mechanism: heat from the house warms the roof and melts the snow on it, the melt runs down until it meets the overhang, and if the air and the overhang are below freezing it refreezes there and starts the dam. It adds that sun-heated dark wall siding on a south face can send warm currents into the eave and cause the same thing.

NRCan’s explanation turns the usual assumption around. An ice dam is not caused by too much snow; it is caused by heat in the wrong place. Uninsulated attics, NRCan says, usually do not get ice dams, because the snow melts as it lands. A well-sealed and insulated attic gives a cool roof and generally does not either. The dam forms in between: enough heat reaching the roof deck to melt the snow, and a cold overhang to refreeze it.

The roof’s shape matters too. NRCan says ice dams are more frequent where valleys and dormers complicate the roof or there is a large overhang, because complicated roofs hold more snow and have more places for heat to leak out.

Where to look for them

Natural Resources Canada, Keeping the Heat In — Chapter 5, section 5.5.2 · 2014

NRCan's prevention for ice damming, in its own words. How it says to find the trouble spots: look at the roof after the first heavy frost or light snow and note where the snow melts first. Typical places: a horizontal melt line on a 1½ storey house where the knee wall meets the ceiling, and above a roof-ducted exhaust fan, a plumbing vent, a skylight or a leaky attic hatch. Uninsulated attics rarely dam, it says, and a well-sealed, insulated attic gives a cool roof that generally will not either; complicated roofs with valleys, dormers and large overhangs dam more.

NRCan’s method costs nothing. After the first heavy frost in the fall, or the first light snow, go outside and see where the roof clears first. That spot is where heat is reaching it. On a 1½ storey house it is often a straight horizontal line where the short knee wall meets the ceiling. Elsewhere it is above a roof-ducted exhaust fan, a plumbing vent, a skylight or an attic hatch that leaks air. Each of those is a place to seal from inside the attic before winter — and the same air leaks are the ones that cause attic condensation and mould.

Removing one, and what not to do

Natural Resources Canada, Keeping the Heat In — Chapter 5, section 5.5.6 Quick fixes and their limitations · 2014

NRCan's other quick fixes and their drawbacks: electric heating cables melt channels in the ice, sometimes helping, but use a significant amount of electricity; removing gutters stops them becoming ice traps but gutters keep roof water away from the foundation; removing snow from the roof helps but is not always easy or safe. Its conclusion: the preferred solution for most houses is to keep house heat out of the attic by air sealing and insulating.

NRCan lists the quick fixes and the catch with each. Chopping at a dam with an axe or an ice pick damages the shingles you are trying to protect. Electric heating cables melt channels for the water to escape through, sometimes enough to help, at a significant electricity cost. Taking the eavestroughs down stops them filling with ice but sends the roof’s water back against the foundation. And raking snow off the roof helps but is not always easy or safe. Contractors offer steaming, which melts the ice without the blade; this site found no published Canadian price to quote for it.

For ice in the troughs themselves, the federal flood guidance gives a method that keeps you off the roof:

Government of Canada, Get Prepared — Eavestroughs and downspouts · 2026

The page adds a winter instruction: with the help of a partner, safely climb a ladder and pour hot water over ice buildup in the eavestroughs, or use a roof rake to gently break ice apart.

Work with a partner, pour hot water over ice in the eavestrough or break it gently with a roof rake. The eavestrough page covers the troughs and downspouts the rest of the year.

Prevention: the attic, not the roof

Natural Resources Canada, Keeping the Heat In — Chapter 5, section 5.5.5 · 2014

About self-sealing membranes under the shingles, which NRCan says building codes require on the lower part of the roof in new houses. Ice damming can still occur, it adds, and can still damage shingles and gutters.

The membrane is worth understanding precisely because it is the thing most people think solves the problem. It is a waterproof layer under the shingles at the eaves, and building codes require it on the lower roof of new houses. It keeps the water that backs up behind a dam out of the house. It does nothing to stop the dam forming, and NRCan notes the dam can still damage shingles and gutters.

NRCan’s preferred solution for most houses is the one that removes the cause: keep house heat out of the attic by air sealing and insulating. Where the attic is too tight at the eaves for full insulation, it suggests the strongest insulation possible at that edge, with a gap kept for ventilation against the sheathing. Ventilation itself helps keep the roof cold — NRCan describes a colder, well-vented attic as less prone to ice dams — but it is the second line of defence, not the first.

Natural Resources Canada, Keeping the Heat In — Chapter 5 · 2014

NRCan calls ventilation the second line of defence after air sealing and gives a vent-to-ceiling area ratio of approximately 1 to 300. It warns against automatically increasing ventilation and against electric exhaust fans for the attic, which can pull house air into the attic and add moisture.

What insurance does with ice dam water

Insurance Bureau of Canada, Water Damage and Flood Protection · 2026

IBC: “Standard homeowners’ insurance policies commonly cover sudden and accidental water damage caused by ice dams.” It adds that policies vary and that “basic insurance policies might not cover damage from ice dams”, so the starting position is cover rather than exclusion, subject to your own wording.

Insurance Bureau of Canada, Water Damage and Flood Protection · 2026

The second half of the same passage: ongoing or repeated ice dam damage “is considered a long-term maintenance issue and may not be covered”. So the line is not drawn at ice dams; it is drawn at the second and third time.

IBC draws the line at repetition, not at ice dams. The first time melt water backs up under the shingles and comes through a ceiling, standard policies commonly cover the sudden damage. Ongoing or repeated ice dam damage is treated as a long-term maintenance issue. That makes the first claim the moment to fix the cause in the attic, because the second one may be argued as maintenance. IBC also says basic policies might not cover ice dam damage at all, so read your wording.

Insurance Bureau of Canada, Water Damage and Flood Protection · 2026

The split matters: the water that came through the ceiling is one question and the state of the roof that let it through is a different one.

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Questions people actually ask

What causes ice dams?

Natural Resources Canada says heat from the house warms the roof and melts the snow, the melt runs down to the overhang, and where the air and the overhang are below freezing it refreezes and starts the dam.

How do I prevent ice dams?

NRCan's prevention is to seal all attic air leaks and insulate thoroughly, and that the preferred solution for most houses is to keep house heat out of the attic by air sealing and insulating.

Do heating cables stop ice dams?

NRCan says electric heating cables melt channels in the ice, sometimes alleviating a problem, but use a significant amount of electrical energy.

Should I chip ice dams off the roof?

No. NRCan says attacking ice dams every winter with an axe or ice pick will damage the roof surface, and that removing snow and ice is not always easy or safe.

Does an ice and water shield prevent ice dams?

No. NRCan says self-sealing membranes, which building codes require on the lower part of the roof in new houses, do not stop ice dams but prevent the water from leaking through the sheathing into the house.

Does home insurance cover ice dam damage?

IBC says standard homeowners' policies commonly cover sudden and accidental water damage caused by ice dams, but ongoing or repeated ice dam damage is considered a long-term maintenance issue and may not be covered.

Where to read next

Sources cited on this page

  1. Natural Resources Canada, Keeping the Heat In — Chapter 5, section 5.5 Ice dams
  2. Natural Resources Canada, Keeping the Heat In — Chapter 5, section 5.5.2
  3. Natural Resources Canada, Keeping the Heat In — Chapter 5, section 5.5.6 Quick fixes and their limitations
  4. Government of Canada, Get Prepared — Eavestroughs and downspouts
  5. Natural Resources Canada, Keeping the Heat In — Chapter 5, section 5.5.5
  6. Natural Resources Canada, Keeping the Heat In — Chapter 5
  7. Insurance Bureau of Canada, Water Damage and Flood Protection

Every figure above was read from the source it is attributed to on September 20, 2026. How we check this.

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