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Ice dams — literal dams made of ice — usually form at eaves and gutters and prevent snow- and ice-melt from leaving the roof. They’re often caused by a temperature imbalance in the attic.

Repairing or replacing a damaged roof isn’t always something that can be put on pause, even when finances are tight. Happily, there are options for financing the quality roof you want, even if you can’t pay upfront.