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September 10, 2025
Media Contact: DIFS-press@michigan.gov
Consumer Hotline: 877-999-6442, Michigan.gov/DIFScomplaints
FOR IMMEDIATE RELEASE: September 10, 2025
(LANSING, MICH) -- September is National Preparedness Month, and the Michigan Department of Insurance and Financial Services (DIFS) is reminding Michiganders that disasters can strike at any time including through severe storms, flooding, and other damaging events. Taking time now to review your insurance policies and financial plans can make a significant difference in how quickly you recover if disaster strikes.
“Preparation is one of the most important steps you can take to protect your family, your home, and your finances,” said DIFS Director Anita Fox. “National Preparedness Month is a great reminder to review your insurance policies, safeguard your important documents, and ensure you have the coverage you need before an emergency happens. By planning ahead and knowing your resources, you can reduce stress, recover faster, and protect what matters most.”
When disaster strikes, don’t let your insurance deductible catch you off guard. A deductible is the amount of money that must be paid out-of-pocket before your insurance company will pay a claim. For example, a homeowners policy may have a $1,000 deductible, meaning you must pay $1,000 after a fire, damaging storm, or other covered loss before the insurance company will cover the remaining amount. Choosing a higher deductible may lower your premium, but it also comes with higher upfront out-of-pocket costs in the event of damage to your home.
One of the easiest ways to prepare financially is to set aside your deductible amount – whether it’s part of your savings or placed in a dedicated emergency fund. A little planning ahead can go a long way in providing you peace of mind and protecting your finances in the event of a disaster. If you are unsure of your policy’s deductible or policy limits, review your policy documents or talk to your insurance agent or company about your current deductible and what is best for your needs and budget.
DIFS is also encouraging Michiganders to take these steps during National Preparedness Month:
For more information on insurance coverage and disasters, visit the DIFS’ Disaster Preparedness webpage. Consumers who have questions or concerns about their insurance coverage can contact DIFS Monday through Friday 8 a.m. to 5 p.m. at 877-999-6442 or file a complaint online at Michigan.gov/DIFScomplaints.
The mission of the Michigan Department of Insurance and Financial Services is to ensure access to safe and secure insurance and financial services fundamental for the opportunity, security, and success of Michigan residents, while fostering economic growth and sustainability in both industries. In addition, the Department provides consumer protection, outreach, and financial literacy and education services to Michigan residents. For more information, visit Michigan.gov/DIFS or follow the Department on Facebook, X, or LinkedIn.
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