Saginaw County Board Chair Jack Tany signed a local emergency declaration on Wednesday related to two tornadoes and flooding from recent heavy rains.
LANSING, Mich. (WJRT) – The Michigan Department of Insurance and Financial Services is providing tips and resources to help residents file insurance claims and protect themselves from fraud following severe weather and flooding that has impacted many Michigan communities this week.
“Over the past few days, Michiganders have faced extreme weather conditions, including flooding and tornadoes,” said DIFS Director Anita Fox.
“As recovery begins, it’s normal for consumers to have questions about filing insurance claims, and DIFS stands ready to help,” Fox said.
Affected residents should contact their insurance agent or company to review their policy, determine what coverage may be available, and promptly file any claims. DIFS officials note that most homeowners and renters insurance policies do not cover flood damage.
The Braid family farm in Durand was severely damaged by Tuesday night’s storms.
Those experiencing water-related damage should be aware that the term “flood” may have a specialized meaning under their insurance policy. There can be many causes for water damage, including storm-related rainwater intrusion, sewer backup, or failing sump pump, which may be covered under the policy.
DIFS recommends residents first contact their insurance company’s claims hotline to report damage and file a claim. Residents should take steps to protect their property and prevent further loss, keeping receipts for any purchases of supplies needed.
Officials warn residents to stay vigilant of fraud and scams. After severe weather incidents, fraudsters claiming to be adjusters, contractors, and other service providers often go door-to-door pretending to offer services that will not be completed or may be completed with poor-quality materials.
Residents should contact their insurance company before hiring a contractor and check the service provider’s credentials, including licenses, references, and insurance. Insurance adjusters are paid by the insurance company and should never ask homeowners for any payment for their services.
Gov. Gretchen Whitmer declared a state of emergency in 32 counties as communities across the state deal with severe weather-related impacts from rising water levels, flooding, straight-line winds and tornadoes.
Consumers can contact DIFS’ Office of Consumer Services’ live call center at 877-999-6442, Monday through Friday from 8 a.m. to 5 p.m., for support with questions or concerns about insurance coverage.
Alice J. Roden started working for Trending Insurance News at the end of 2021. Alice grew up in Salt Lake City, UT. A writer with a vast insurance industry background Alice has help with several of the biggest insurance companies. Before joining Trending Insurance News, Alice briefly worked as a freelance journalist for several radio stations. She covers home, renters and other property insurance stories.