Michigan winters bring heavy snowfalls, icy winds, and dramatic freeze-thaw cycles. While beautiful, these conditions can create serious problems for your roof. Ice dams, roof leaks, and even structural failures are common this time of year. But when damage happens, many homeowners ask the same question: Will my insurance cover it?
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How Ice Dams Cause Roof Damage
Ice dams form when heat escapes from your home, melting snow on the roof. As the water runs down and refreezes near the eaves, it creates a dam that traps additional water. Over time, this can lead to:
- Water backing up under shingles.
- Roof leaks that damage insulation, drywall, and ceilings.
- Rotting roof decks and weakened structures.
- Mold growth inside the attic.
Even a small ice dam can cause thousands of dollars in hidden damage, which is why prevention and fast response matter.
When Insurance Covers Snow and Ice Roof Damage
Most homeowners insurance policies in Michigan cover sudden and accidental damage caused by snow or ice. This typically includes:
- Roof collapse from heavy snow.
- Water damage inside the home from ice dam leaks.
- Repairs to shingles, flashing, and insulation impacted by freeze-thaw cycles.
However, coverage often excludes damage due to lack of maintenance. If your roof is old, neglected, or improperly insulated, insurers may deny claims. This makes documentation and professional inspections critical.
Why a Professional Roof Inspection Matters
After a storm, it’s important to get a qualified inspection. At Aaron Builders, our Haag-certified roof inspectors are trained to identify storm-related damage and provide detailed, insurance-approved reports. A professional inspection helps you:
- Prove that damage was caused by weather, not neglect.
- Prevent missed issues that could worsen over time.
- Receive accurate repair estimates aligned with insurance standards.
- Speed up the claims process with complete documentation.
By using industry-recognized reporting, we help ensure your claim is taken seriously and processed smoothly.
Navigating the Insurance Claim Process
Dealing with insurance after roof damage can feel overwhelming, especially in the middle of winter. Here’s how the process usually works:
- Report the damage to your insurance company right away.
- Document the problem with photos and notes before temporary repairs.
- Schedule a professional inspection—Aaron Builders provides Haag-certified reports.
- Meet with your adjuster—our team works directly with them to avoid delays.
- Begin repairs quickly once coverage is confirmed.
Because Aaron Builders is a preferred contractor for more carriers than any other restoration company in Southeast Michigan, we know exactly how to bridge the gap between you and your insurer.
Protect Your Roof Before and After Storms
The best defense against roof damage is preparation. Keep gutters clear, insulate your attic to prevent heat loss, and schedule regular inspections. If you do experience snow or ice damage, don’t wait—delays can lead to more leaks, higher repair bills, and insurance disputes.
With over 40 years of experience, Aaron Builders restores roofs and homes across Michigan with precision and care. Every repair is backed by our 5-year workmanship warranty.
Call Aaron Builders for Winter Roof Damage Help
If heavy snow or ice has damaged your roof, Aaron Builders is here to help with 24/7 emergency service, Haag-certified inspections, and seamless insurance support.
Call us now at 248-957-9660 or visit aaronbuilders.com to schedule your inspection. You can also find us on our Google Maps Listing.