If you’re like most Michiganders, you’re well aware of how much snow can build up on your roof during winter months – and that it can cause serious damage. But does homeowners insurance cover roof damage from snow? Here’s what you need to know before winter hits.

Does Homeowners Insurance Cover Roof Damage From Snow?

In many cases, homeowners insurance does cover roof damage from snow. That includes complete roof collapse, ceiling damage from leaks, and ice dams. However, every policy is different, and you should read yours thoroughly before winter; that way, you can modify your coverage if you know you’re likely to need it.

What About Damage to Your Personal Property?

If your roof collapses and damages your personal property, your homeowners insurance policy may cover the cost of repairing or replacing your items. However, again, every policy is different. If you aren’t sure whether yours does, you should call your insurer and ask.

Related: What are ice dams, and how can you prevent them from damaging your roof?

Can a Roof Really Collapse From Snow?

Though several factors play a role in roof collapses, snow can certainly be a contributor – especially if it’s snowed multiple times without the snow fully melting away. The more snow that’s on your roof, the heavier it becomes, and if there are layers of ice between the snow (or directly on your roofing materials), your roof is at a higher risk of collapsing. 

Most roofs can withstand up to 20 pounds per square foot of snow before they’re in any danger – but that only applies to roofs that are in good condition. If yours is damaged, or if it’s old, it’s at greater risk with less snow. 

Related: How to prepare for a Michigan snowstorm

What if Your Roof Collapses From Snow?

If your roof collapses from snow, get to a safe location immediately. You should call a home reconstruction expert as soon as you’re safe. The professional you talk to may even be able to talk to your insurance company for you.

Do You Need a Disaster Remediation Expert in Washtenaw County or Jackson County?

If your home has already been damaged, we can help. Check out our services and call 734-352-9183 for your free disaster remediation quote today. We offer:

Water damage restoration

Mold removal and remediation

Fire and smoke restoration

Sewer cleanup and disinfecting


Wind and storm damage repair