Michigan Department of Insurance and Financial Services Offers Tips to Michigan Residents in Preparation for Warm Weather and Possible Water Damage

Media Contact: Andrea Miller
Office Number: 517-284-8668
Consumer Hotline: 877-999-6442
Facebook: /MIDIFS Twitter: @MIDIFS


(LANSING) The weather is starting to warm up and with that comes rain and melting snow. Sump pumps will be running continuously and you may even be faced with water damaged basements. Even just a few inches of water can cause tens of thousands of dollars in damage.

In preparation for rising water in your area, the Michigan Department of Insurance and Financial Services (DIFS) offers information to help you be smart about insurance coverage for water damage.

“Michigan residents may not know that most homeowner’s and renter’s insurance policies do not cover flood damage or water that backs up through sewers or drains in your home. As a property owner, you should contact your insurance agent regarding this extra coverage,” said DIFS Director Patrick McPharlin.  “Your insurance agent can help you in determining the availability, your need, and cost.”

Water damage caused by sewer back-up or sump pump overflow can be covered under homeowners insurance; however, water damage caused by rising waters, or a flood, is not covered.

Read your policy carefully for coverage and exclusions relating to water damage. Flood insurance is available for residents of participating communities through the National Flood Insurance Program (NFIP) for up to $250,000 for damage to your home and $500,000 for your business. The actual cost to you will depend upon where you live and the amount of coverage you choose.  You may also want to purchase additional coverage for damage resulting from water backup and sump pump overflow. Water backup and sump pump overflow is an extra endorsement on your homeowner’s policy.

More information on homeowner’s insurance (from how to purchase insurance to how to file a claim), flood insurance, and renter’s insurance, is available on the DIFS website.

Anyone with questions or concerns about their insurance coverage is asked to call the DIFS toll-free hotline at 877-999-6442.

For more information, visit “How to File a Complaint” on the DIFS website.

For more information about DIFS or the services provided, please visit the website at www.michigan.gov/difs, follow them on Twitter or “Like” them on Facebook.