Does Homeowners Insurance Cover Roof Replacement in Michigan?

It’s a common question after a big storm: Will my insurance pay for a new roof?

The answer? It depends.

When Insurance Covers Roof Replacement

Your homeowners insurance typically covers damage caused by:

• Wind storms

• Hail

• Falling debris (like tree limbs)

• Heavy snow or ice

But they won’t cover damage from normal wear and tear, poor maintenance, or an aging roof.

What Insurance Companies Look At

• The age of your roof: Older roofs (15+ years) may get partial coverage.

• Type and extent of damage: Minor issues often won’t qualify.

• Proper documentation: Without photos and a pro inspection, your chances drop.

Why a Roofing Inspection Is Critical

Your best shot at full coverage is to get a detailed inspection from a trusted roofing expert. We document the damage, guide your claim, and even meet with the adjuster to make your case.

Don’t Guess. Let the Pros Handle It.

Insurance claims are complex. We make it simple.

Book a free inspection and let us check for damage — and fight for the payout you deserve.