Michigan Storm Damage? Here’s What To Do

If your house just went a few rounds with Michigan weather and lost, you're probably juggling tarps, phone calls, and a growing suspicion your patio furniture is in a different zip code. Fortunately, the State of Michigan has some clear advice. And thanks to the recent emergency declaration, there are a few extra wrinkles you should know about.

RELATED: Governor Whitmer Activates Michigan's State Emergency Operations Center

The Michigan Department of Insurance and Financial Services (DIFS) has offered these tips for handling storm damage and claims:

Once it's safe:

• Stop further damage
  • Cover broken windows, patch what you can, and keep receipts. Those matter later.
• Document everything
  • Photos and videos. Don't throw anything away until your insurance company says so.
• Call your insurance company immediately
  • Have your policy number ready and start the process.

State of Emergency: What It Means For Your Insurance

Here's the part nobody explains until you're knee-deep in restoration bills: If a state of emergency is declared in your area, that doesn't magically expand your coverage. Your policy still decides what's covered and what's not. But it does change how your situation is handled:

• Insurance Hotline reports that if you're forced to leave your home, you may need to notify your insurer to keep coverage active if it sits empty for too long.
• You might qualify for additional living expenses coverage if your home is unlivable.
• Some insurers may offer flexible payment options during emergencies.
• High-risk areas can sometimes see delays or restrictions on new policies.

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It's all important to remember that in Michigan, not all water damage is created equally:

• Rain intrusion or sump pump issues might be covered.
• Flooding often requires separate insurance.

So when you're filing a claim, be specific. The wording matters more than you'd think.

Avoid Storm Scams

After storms, scammers show up like flies on fresh roadkill. DIFS recommends you do the following to avoid being a victim of fraud:

• Verify contractors before hiring them
• Never pay a claims adjuster
• Call your insurance company before signing anything

RELATED: Michigan Only Allows Six Snow Days — So, What Happens Next?

If you need help, Michigan's got your back. Use the complaint feature on the DIFS website or call their toll-free hotline at 1-877-999-6442, M-F, 8 a.m. to 5 p.m.