Usually, the ice dam removal itself is NOT covered by a standard Ohio homeowner's policy — but the interior water damage the ice dam causes typically IS. In other words, insurance often pays to fix the soaked ceiling and walls, not to melt the ice off your roof.
That split is why documentation matters. When we remove an ice dam, we photograph the dam and any visible damage before and after, and we can take moisture readings for your claim. Adjusters want to see the cause and the resulting damage clearly. Always check your specific policy or call your agent — coverage varies — but good documentation gives your claim the best chance.