Although you know it is important to maintain your roof – especially in the winter – you may still be wondering: What happens if ice dams form on my roof? Does insurance cover water damage from ice dams?
The short answer is yes. Usually, your homeowners insurance covers ice dam damage to your home and belongings. However, depending on the cost of your claim, you may want to re-think filing, and instead, pay out of pocket. Read on to learn more about homeowners insurance and how this applies to winter damage coverage:
So, what exactly is an ice dam?
During the winter, it is easy for build-up of water to collect on your roof. When this water freezes, it makes a giant formation of ice. As these water pools freeze and unfreeze, it creates new pockets of water that can eventually lead to leaks and roofing problems. It is important to prevent ice dam formation and quickly take care of these problems if they arise, as they can be costly to repair in the future.
What does home insurance cover?
Unfortunately, some of us will need to go through the process of removing and repairing ice dams that form during Michigan winters. As a standard HO-3 homeowners insurance policy will likely cover ice dam damage, it is important to note when to use your homeowners insurance. Frequent claims will obviously increase your monthly insurance payment over time, and depending on your deductible, it may make sense to pay out of pocket for any damages incurred.
If the expected damage amount is not higher than your insurance deductible, your claim will be denied, and you will be stuck paying for the damage. Roof repairs can be expensive, but before you call your insurance company, we recommend consulting with a local roofing company to understand the cost of fixing it yourself.
How can I prevent winter ice dam build-up?
If you put in the time, preventing ice dam build-ups is extremely easy and simple. All you must do is put forth a little effort to maintain your roof. Throughout the next winter months, you can take these steps to help secure your home and prevent water build-up:
- Consistently clear out debris, such as leaves and sticks, from your gutter
- Check your home for areas that are not properly sealed; vent pipes, exhaust fans, and light fixtures are a good place to start
- Consult an expert to check your ventilation and if updates are needed
- Keep snow and ice from accumulating on top of your roof by raking it off during snowy months
We get it – there are so many things to consider and take care of when you are a homeowner! That’s why your local experts at Herbert Roofing & Installation are here to help. If you’re looking for expert advice on what to do before the winter season hits or require roof repairs before the first snowfall, give us a call at (855) 542-7663 or visit our website. We cannot wait to be at your service this winter season!
Measurement:
Accurate measurements are critical. For asphalt shingle roofs, you divide the total surface area by 100 to get “roofing squares” (one square = 100 sq ft) when calculating materials and labor. GAF Many roofing contractors now use tools such as satellite imagery and specialized apps to measure quickly. GAF
Choosing Materials and Contractor
Question: Which shingles and which local roofing company should I pick?
Materials:
- Asphalt shingles are the dominant choice for residential roofing across the U.S. and Michigan, because they cost less and are easier to install. GAF
- Brand matters. For instance, GAF is North America’s largest roofing manufacturer and certifies certain contractors to give stronger warranties. GAF
- If you’re selecting between brands like GAF or CertainTeed, check their warranty options and whether the contractor is “Factory-Certified”.
Contractor:
- Choose a local roofing company experienced with Michigan weather (snow loads, ice dams, proper ventilation for cold climates).
- Ensure they are licensed, insured, and can provide roofing system warranties, not just material warranties.
- Ask for references, check local reviews, and verify they are comfortable working with permits in areas such as Saginaw, Midland, Bay City, Traverse City, and Harbor Springs.
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Shingle Tier
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Typical Lifespan*
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Pros |
Cons |
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Basic 3-tab asphalt
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~20–25 years
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Lower cost
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Less durability, fewer style options
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Architectural (dimensional) asphalt
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~25–30 years or more
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Better durability, looks better
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Higher upfront cost
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Premium asphalt / enhanced warranties
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30+ years *if well maintained
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Longest asphalt option
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Highest cost of asphalt category
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*Life spans vary heavily by climate, installation, and maintenance.
Pro vs. Con: Hiring a Certified Contractor
Pros
- Certified teams can offer stronger warranties
- Better trained in proper roof system installation
- More likely to understand local Michigan code & climate issues
Cons
- Generally, a higher upfront cost
- Might require more lead time (busy season)
Budgeting & Financing
Question: How much will this cost, and how can I afford it?
As of 2023, the average cost of replacing an asphalt shingle roof in the U.S. is about $14,959. GAF Keep in mind this average includes many regions and sizes; your cost in Michigan may vary due to local labor, permit costs, disposal of old materials, snow-load requirements, etc.
Factors that influence cost:
- Size and pitch of your roof
- Complexity (dormers, hips, valleys)
- Materials chosen (basic vs premium)
- Local building codes and permit fees
- Removal of old roof vs overlay
- Ventilation improvements, attic insulation
- Warranty type and contractor certification
Financing Options
Many local roofing companies (including Herbert Roofing) offer roof financing (monthly payments) or help you apply for home-improvement loans. Also, replacing your roof now may save on future repair costs (which would be more costly if damage occurs before replacement).
Scheduling and Pre-Installation Preparation
Question: What should I expect before installation day?
Once you’ve selected your contractor and signed a contract, the following steps are:
- Schedule the replacement; peak roofing season in Michigan is often late spring through early fall (avoid deep winter if possible).
- Permits & inspections: Your contractor should handle the local permit process for your city (Saginaw, Midland, etc.).
- Material delivery: Shingles, underlayment, and flashing materials will arrive before installation.
- Prepare your property:
- Remove vehicles from the driveway if roofers need access.
- Clear valuables (sensitive electronics) from the attic in case of vibrations.
- Board up or protect landscaping near the house (shingle nails can scatter).
- Old roof removal plan: If your roof has two or more layers of shingles, local Michigan codes may require a full tear-off.
- Weather contingency plan: Since Michigan weather can change rapidly, agree with your roofer on a backup date or plan in case of rain or snow.
Installation Day
Question: What happens on the actual replacement day?
Here’s a typical flow:
- Tear Off: Removal of existing shingles (and possibly underlayment) down to the roof deck.
- Deck inspection/repairs: Any damaged decking will be replaced.
- Install underlayment & ice-dam barrier: Critical in Michigan’s climate, where snow/ice melt can freeze at eaves.
- Flashing & ventilation work: Install or upgrade flashing around chimneys, vents, and valleys. Proper attic ventilation is key to shingle longevity.
- Shingle installation: Lay the chosen asphalt shingles (GAF, CertainTeed) per manufacturer’s specifications.
- Cleanup & disposal: Contractor should haul off old materials and leave the site tidy; nail sweep or magnet to clear stray nails.
- Final inspection & homeowner walkthrough: You’ll have the chance to review the roof and ask questions.
Post-Installation Inspection & Warranty Registration
Question: What should I do after the roof is installed?
- Walk the roof perimeter with your contractor (from ground level) for final review.
- Request all warranty documentation (manufacturer and workmanship).
- Register your warranty with the manufacturer (often the contractor does this on your behalf). Manufacturers like GAF highlight this as part of a proper system installation. GAF
- Take photos of the new roof for insurance records.
- Review maintenance instructions: cleaning gutters, trimming overhanging branches, and checking attic ventilation.
Maintenance Plan & Longevity
Question: How do I ensure my new roof lasts as long as possible?
In Michigan’s climate, longevity is enhanced by:
- Scheduling annual roof inspections (especially after winter or major storms).
- Cleaning debris (leaves, branches) off roofs and in gutters.
- Maintaining attic ventilation and insulation (to prevent ice dams and excessive heat).
- Watching for moss or algae and addressing quickly — they can shorten shingle life.
- According to This Old House, climate and maintenance are significant factors in lifespan variation. This Old House
- Respect the warranty conditions (for example, some warranties require certified installation, restrict walking on shingles, or limit colors).
- Consider adding features such as ridge vents or ice-dam barriers if they are not already installed.
How Roof Replacement Works in Michigan’s Climate
When you live in Michigan (snow, freeze/thaw cycles, high winds by the lakeshore), these climate-specific considerations matter:
- Ice dams: Without proper underlayment and ventilation, melting snow refreezes at eaves and forces water under shingles. Use an ice-dam barrier.
- Snow load & steep pitch: Roof pitch affects snow shedding; steep roofs may cost more but shed snow more reliably.
- Wind/snow exposure: Particularly in Bay City, Traverse City, or Harbor Springs near the Great Lakes. Choose shingles rated for higher wind resistance.
- Temperature swings: These cause expansion/contraction, which can reduce shingle life.
- Regional code/permit differences: Roofing requirements may differ by county or municipality; your local roofing company should know.
Undertaking a roof replacement is one of the most significant investments you’ll make for your home, especially in Michigan’s climate. By working with a trusted local roofing company like Herbert Roofing, choosing the right materials (such as GAF or CertainTeed asphalt shingles), and following a transparent process from inspection through maintenance, you’ll protect your home, enhance curb appeal, and improve resale value.
If you’re in Saginaw, Midland, Bay City, Traverse City, Harbor Springs, or nearby Michigan areas and think it may be time for a roof replacement (or want a professional inspection), contact Herbert Roofing today. Let us help you plan a roof that’s built for Michigan and built to last.
Frequently Asked Questions About Roof Replacement in Michigan
1. How do I know if I need a full roof replacement or just repairs?
If your roof only has a few missing or cracked shingles, a quick repair might do the trick. But when you see widespread curling shingles, granules collecting in your gutters, multiple leaks, sagging areas, or sunlight peeking through your attic, it’s usually time for a full roof replacement. In Michigan, where harsh winters and temperature swings take their toll, waiting too long can make the damage worse. According to GAF, these symptoms indicate that a new roof will better protect your home than ongoing patchwork repairs.
2. How long does an asphalt shingle roof typically last in Michigan?
Under normal conditions, asphalt shingle roofs last about 20–30 years. However, Michigan’s freeze-thaw cycles, heavy snow, and moisture can shorten that lifespan. If your roof is nearing 20 years old, it’s smart to schedule an inspection.
3. What brands and warranties should I look for when replacing my roof?
Two of the most trusted roofing brands in the U.S. are GAF and CertainTeed. Both offer multi-layer roofing systems designed for durability and backed by strong manufacturer warranties. The key is hiring a factory-certified contractor, like Herbert Roofing, because certification allows you to qualify for enhanced system warranties that cover not just the materials, but also the workmanship. GAF recommends registering your new roof to ensure the warranty remains active.
4. Can I finance a roof replacement, and what should I budget for?
Yes — most local roofing companies, including Herbert Roofing, offer roof financing options or can help you apply for a home-improvement loan. This makes it easier to spread out payments rather than paying the full amount up front. The average asphalt shingle roof replacement in the U.S. was around $14,959 in 2023 (according to GAF data), but your exact cost will depend on your roof size, materials, and design complexity. A certified contractor can help you customize a quote that fits both your budget and your long-term home goals.
5. What should I expect on installation day, and how can I prepare?
Roof replacement day can be busy, but it’s a smooth process when you plan. The crew will start by tearing off the old shingles and inspecting the deck for damage. Then they’ll install underlayment, flashing, and ice-dam barriers, followed by your new shingles. Before the team arrives, move vehicles out of the driveway, cover or move outdoor items, and protect landscaping from debris. A reputable roofer will handle cleanup, magnet sweep for nails, and a final inspection to ensure everything meets code.
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