Jimmy Davidson founded Silver Loon Roofing in Crosby, Minnesota, in 2026. Before that he spent more than 30 years building custom homes in the Crested Butte area of the Colorado Rockies, mostly framing, interior and exterior trim, and roofing, with plumbing, electrical, painting and drywall work along the way. He lives in Crosby with his four kids, scopes every estimate himself and checks every job.
Ice dams form on Minnesota roofs when the attic is warm enough to melt snow on the upper roof surface while the eave stays cold enough to refreeze the melt water. The result is a dam of ice at the edge that traps water behind it — and that backed-up water finds its way under shingles, through the ice and water shield if the dam is large enough, and into the ceiling and wall cavities of the home below.
This happens predictably in north-central Minnesota from late December through mid-February, whenever several inches of snow cover the roof and outside temperatures stay consistently below freezing. Brainerd, Nisswa, Crosslake, and the Whitefish Chain see conditions that produce ice dams most winters — the question is whether your attic is working with the cold or against it.
What Causes Ice Dams
The root cause is heat loss from the living space through the attic floor. When warm air escapes into the attic, it warms the roof deck above. Snow on the upper roof melts. The melt water runs down the slope and hits the eave, where the roof deck is colder because it overhangs the heated envelope of the house. There, it refreezes. Each cycle adds another layer to the dam.
Specific attic heat sources that cause ice dams on Minnesota homes:
- Inadequate attic insulation (below R-49 is common in older lake cabins)
- Air leaks around light fixtures, fans, attic hatches, and plumbing chases
- Improperly insulated or routed HVAC ducts in the attic space
- Blocked soffit vents that prevent cold outside air from flowing through the attic
The Damage Ice Dams Cause
A small ice dam causes icicles and an inconvenience. A significant dam causes real damage. Water backed up behind a dam can:
- Infiltrate under shingles and through ice and water shield on severe dams
- Saturate attic insulation, reducing its R-value and promoting mold
- Stain ceilings and damage drywall as water follows framing down into walls
- Rot window and door frames at the eave where water runs off the dam
The interior damage often costs more to repair than the ice dam removal and the attic improvements that would have prevented it.
How to Remove an Ice Dam Safely
Do not chip at an ice dam with a shovel, axe, or pry bar. Shingles become brittle below 20°F and chip damage from mechanical removal is real. Do not use rock salt or calcium chloride directly on the roof — both can damage shingles and the runoff is hard on vegetation below.
The correct method is steam removal with commercial equipment. Silver Loon's ice dam remediation service uses this method exclusively. Steam melts a drainage channel through the dam in 30–90 minutes without mechanical impact to the roof surface. The channel drains the backed-up water and stops the immediate damage.
How to Prevent Ice Dams Next Winter
Removing the current dam stops the immediate damage. Preventing next year's dam requires addressing the attic heat source.
Step 1: Air seal the attic floor. Locate and seal air bypasses — the gaps where warm air from the living space enters the attic. This is often more impactful than adding insulation alone.
Step 2: Add insulation. Minnesota's climate zone calls for R-49 to R-60 at the attic floor. Many lake cabins and older homes have R-19 or less. Blown cellulose or fiberglass is the practical solution for most attics.
Step 3: Verify ventilation. The attic needs unobstructed airflow from soffit vents to the ridge. Baffles at each rafter bay prevent insulation from blocking the soffit. A ridge vent or multiple static vents at the peak allow warm attic air to exhaust. Both parts of the system have to work.
Frequently Asked Questions
Are ice dams covered by homeowner's insurance?
The interior damage they cause — ceiling staining, ruined insulation, damaged drywall — is typically covered under most standard policies as a sudden and accidental loss. The ice dam removal itself is generally not covered. Document interior damage before cleanup for your claim.
How big does an ice dam have to be before it causes damage?
Dams as small as 4–6 inches thick at the eave can back water up under shingles in some conditions, particularly on roofs with low slope or inadequate ice and water shield coverage. Don't wait for dramatic icicle formations to call — if you see water staining on ceilings in January or February, the dam is already causing damage.
Can I prevent ice dams by removing snow from my roof?
Roof raking — pulling snow off the lower 3–4 feet of the roof after each storm — reduces ice dam formation on problem roofs. It doesn't address the underlying cause and carries fall risk. It's a reasonable temporary measure for a specific problem eave while you plan the attic improvements that fix it permanently.
Jimmy Davidson founded Silver Loon Roofing in Crosby, Minnesota, in 2026. Before that he spent more than 30 years building custom homes in the Crested Butte area of the Colorado Rockies, mostly framing, interior and exterior trim, and roofing, with plumbing, electrical, painting and drywall work along the way. He lives in Crosby with his four kids, scopes every estimate himself and checks every job.
More from Jimmy →