Michigan Department of Insurance and Financial Services Offers Tips to Michigan Residents
FOR IMMEDIATE RELEASE: February 20, 2018
(LANSING) With the unseasonably warm temperatures, unusual rainfall and melting snow occurring this week across Michigan, the Michigan Department of Insurance and Financial Services (DIFS) is providing tips for homeowners if they experience water damage and need to file a claim.
“The combination of heavy rain and snow melting has created the potential for water damage in basements,” said Patrick M. McPharlin, director of the DIFS. “When working with insurance companies, make sure you thoroughly document your damages and know your coverage rights.”
Residents are encouraged to do the following if they suffered damage to their home/property:
- Contact your insurance company’s claims hotline and/or your agent to report your claim. Have your policy number and other relevant information readily available. (Insurance Claims Tracking Sheet)
- When contacting your insurance company, be sure to communicate that you have experienced water damage and are looking to determine what coverage you have available. Do not simply state that your damage is due to a flood as there may be additional causes for water damage, such as a sewer backup or failing sump pump that may be covered under your policy.
- Take steps to protect your property and prevent further loss.
- Document your loss. Take pictures or videos of the damaged items and do not get rid of the items until the insurance company instructs you to remove the items.
Anyone with questions or concerns about their insurance coverage is asked to call the DIFS toll-free hotline at 877-999-6442.
If you believe your insurance company has not handled your claim properly, file a complaint with the DIFS. They will determine whether your insurance company has followed the Michigan Insurance Code and your policy language in their processing of your claim.