09/02/2026
A quiet change is reshaping Michigan homeowners insurance in 2026: roof age.
Several major carriers now treat a roof at 15+ years as a trigger β switching it from full replacement-cost coverage to depreciated "actual cash value," or declining to renew altogether. In practice, that can mean thousands of dollars out of your own pocket after a storm, even with a policy in force.
Michigan's freeze-thaw winters age shingles faster than warmer states, so this hits us harder than most.
What helps: if your roof is nearing 15 years, get a licensed contractor's condition report with photos before your renewal. It's the single strongest tool for pushing back on a depreciation or non-renewal decision.
Not sure where your policy stands? We'll review it with you β no pressure, just a straight answer. (734) 453-6000.