Is Damage From Ice Dams Covered By Homeowners Insurance? 
Depending on your carrier it may be covered . The carriers that we use they will cover it . As Mr. Ratcliff stated about the roof collapse yes and with the carries that we choose to use they also cover the ice build up around the gutters . In Montana this is the case . Depends on what state and carrier talk to your local agent and they should be able to direct you . 