Is there any insurance policy that would cover the removal o

I am writing an article on ice dam removal and how most insurance companies handle these types of claims. Is there any policy out there that would cover the removal costs of an ice dam atop a single family home? Must the home have a "problem" (i.e., leakage) before insurance company would pay to remove it? Most insurance companies I've come across don't pay for any of the ice dam and/or roof snow removal costs. Some pay for only the portion of the ice dam that appears to be causing the leakage. Other insurance companies foot the bill to the have the entire roof cleared of snow and ice. It's a very confusing topic that I'd like to help shed some light on. Any help would be hugely appreciated! I'll make sure and use your name in the article (unless you'd prefer I didn't - your choice). Thanks a million! Joe