Michigan roof insurance claim deadlines
Michigan sets its insurer clocks through Michigan Compiled Laws 500.2006 (uniform trade practices: timely payment) and 500.2833 (standard fire policy provisions). The Michigan text we read names no acknowledgement period. 3 Michigan limits follow.
Every Michigan clock, with its source
| Who | Step | Deadline | Rule |
|---|---|---|---|
| Insurer | Tell you in writing what counts as proof of loss Unless the claim is settled within the 30 days. |
30 days | MCL 500.2006(3) |
| Insurer | Pay the part of the claim supported by proof of loss Later-supported parts are timely if paid within 60 days of that proof. Late payment carries 12% simple interest. |
60 days | MCL 500.2006(3) |
| Insurer | Pay a loss under a fire policy Applies to fire policies and their standard provisions. Counted from receipt of proof of the amount of loss. |
30 days | MCL 500.2833(1)(p) |
Checked 2026-10-08 against 2 linked Michigan sources.
What the Michigan text says
“An insurer shall specify in writing the materials that constitute a satisfactory proof of loss not later than 30 days after receipt of a claim”
MCL 500.2006(3), source text, read 2026-10-08.
“...the amount supported by proof of loss is considered paid on a timely basis if paid within 60 days after receipt of proof of loss by the insurer.”
MCL 500.2006(3), source text, read 2026-10-08.
“...payable within 30 days after receipt of proof of amount of loss.”
MCL 500.2833(1)(p), source text, read 2026-10-08.
What we could not confirm in Michigan
- No statutory number for notice read; the policy sets it. Official page.
- Applicability of the 500.2833 one-year rule to non-fire perils depends on the policy. Official page.
Not legal advice. Michigan's fire-policy provision sets a suit period of at least one year. The notice deadline comes from your policy. Whether the fire-policy rule governs a wind or hail claim depends on your policy, so ask a Michigan attorney. Complaints in Michigan start with the Michigan Department of Insurance and Financial Services.
Michigan claim questions
- What does MCL 500.2006(3) require of the insurer?
- 60 days to pay the part of the claim supported by proof of loss. Later-supported parts are timely if paid within 60 days of that proof. Late payment carries 12% simple interest.
- Is there a set Michigan deadline for telling my insurer about roof damage?
- No statutory number for notice read; the policy sets it.
- How long do I have to sue my Michigan insurer?
- MCL 500.2833(1)(q) gives 1 year. Ask a Michigan attorney how it applies to your claim.
Answers use the limits and citations in the table above, checked 2026-10-08. Information, not legal advice.
Michigan hail history
NOAA lists 8 Michigan cities. Since 2014 they added up to 78 city-days of hail at 1 inch or more in Michigan; the top stone was 2.75 inches and Michigan's busiest month is Jul.
Michigan: monthly hail reports from NOAA Storm Events.
Michigan: the first week
- Photos of the Michigan damage, dated; checklist here.
- Send the Michigan claim in writing and keep the date.
- Michigan sets no fixed decision period in this rule. Date each page you send the Michigan adjuster.
- A second opinion on price: Michigan roofers.
Michigan cities we cover
| City | Roof age | Hail | Roofers |
|---|---|---|---|
| Ann Arbor | How old are the roofs | Storm history | Roofers |
| Battle Creek | How old are the roofs | — | Roofers |
| Flint | How old are the roofs | Storm history | Roofers |
| Grand Rapids | How old are the roofs | — | Roofers |
| Kalamazoo | How old are the roofs | — | Roofers |
| Lansing | How old are the roofs | Storm history | Roofers |
| Muskegon | How old are the roofs | — | Roofers |
| Saginaw | How old are the roofs | Storm history | Roofers |
Nearby states
Wisconsin, Illinois, Ohio, Virginia or all states.