Michigan Department of Insurance and Financial Services Provides Flood Recovery Guidance
Following severe weather and flooding that has impacted many Michigan communities this week, the Michigan Department of Insurance and Financial Services (DIFS) is offering tips and resources to help residents file insurance claims and avoid fraud during recovery efforts.
DIFS Director Anita Fox stated that as recovery begins, it is normal for consumers to have questions about the insurance claims process, and the department is ready to assist. Residents can contact DIFS’ live call center at 877-999-6442, Monday through Friday from 8 a.m. To 5 p.m., for support in navigating next steps as they assess damage and file claims.
Affected residents are advised to contact their insurance agent or company to review their policy, determine what coverage may be available, and promptly file any claims. DIFS emphasized that most homeowners and renters insurance policies do not cover flood damage, and the term “flood” may have a specialized meaning under individual policies. Water damage from sources such as storm-related rainwater intrusion, sewer backup, or failing sump pumps may be covered depending on the policy terms.
The department urges residents to remain vigilant against fraud during disaster recovery and to verify the legitimacy of any contractors or individuals offering assistance.
Key Takeaways
- DIFS is providing insurance claim guidance and fraud prevention tips following statewide flooding and severe weather.
- Residents can call the DIFS help line at 877-999-6442, Monday through Friday, 8 a.m. To 5 p.m.
- Most standard homeowners and renters policies do not cover flood damage. policyholders should review their specific coverage.
- Water damage from rain intrusion, sewer backup, or sump pump failure may be covered under certain policies.
- Contact your insurance provider directly to file claims and confirm what is covered.