Legacy Digest

How to File a Homeowners Insurance Claim in Michigan: A Comprehensive Guide

How to File a Homeowners Insurance Claim in Michigan: A Comprehensive Guide

The reason you have insurance is to protect you in the event something goes wrong and you need to file a claim, so as a Michigan homeowner, it’s essential to understand how to file a homeowners insurance claim in the event of damage to your property. As an independent insurance agency serving the Michigan community, we’ve guided countless clients through this process. In this article, we’ll provide a step-by-step guide to help you navigate the complexities of filing a claim in our great state.

1. Prioritize Safety

The first step, regardless of the nature of damage or loss, is to ensure the safety of you and your family. If you’re facing an immediate hazard, such as a fire or flood, evacuate the premises and contact emergency services.

2. Document Everything

After the immediate danger has passed, but before cleaning up or moving things around, document all the damage:

  • Capture clear photos and videos from multiple angles. This offers irrefutable evidence of the extent of damage.
  • Compile a list of damaged or lost items, noting their age, value, and purchase date, if possible.

3**. Prevent Further Damage but Tread Carefully**

It’s your responsibility as the homeowner to mitigate further damage. For instance, if there’s a hole in your roof after a storm, you should temporarily cover it. However, refrain from permanent repairs until the insurance adjuster assesses the damage.

4**. Report Crimes Promptly**

In cases of theft or vandalism, it’s crucial to file a report with your local police department. Not only does this assist in potentially recovering stolen items, but a police report is often required when submitting your insurance claim.

5**. Notify Your Insurance Agency**

Contacting us (or your respective independent insurance agency) should be among your immediate next steps. We are here to guide you, providing clarity on policy details and ensuring your claim process is as smooth as possible. We can assist you with filing the claim with your insurance carrier.

6**. Delve Into Your Policy**

You should review your policy to help you understand your coverage limits, deductibles, and any exclusions. This knowledge equips you with the information to set expectations for the claim’s outcome. Your insurance agent may be able to help you understand your basic policy terms, but keep in mind we are not lawyers so we can’t give you legal advice.

7. Fill Out the Claim Forms Diligently

Your insurance company will often provide detailed claim forms. While they might seem daunting, take the time to fill them out thoroughly and accurately. Inaccuracies can delay the claim process.

8. The Adjuster’s Visit

The insurance company will often dispatch an adjuster to inspect the damage. This individual’s role is to assess the extent of the damage and determine how much the insurance company should pay for repairs or replacements. As the homeowner, it’s essential to be present during this inspection to ensure all damage is assessed.

9. Obtain Repair Estimates

Some insurance companies may require you to get repair estimates from contractors. As an independent agency, we recommend seeking estimates from at least two reputable contractors to ensure fairness. Select contractors you actually would want to do the work on your home.

10. Navigating the Settlement

After evaluating the adjuster’s report, the insurance company will make a settlement offer. Examine this offer diligently. If you believe the offer doesn’t adequately cover your losses, don’t hesitate to discuss your concerns with your agent. Ultimately, you may need to consider hiring a public adjuster or an attorney to help represent your interests.

11. Know Your Rights

Michigan law protects consumers from unfair claim practices. Insurance companies are bound to certain timelines and practices in processing claims. If at any point you feel your claim isn’t being handled appropriately, reach out to the Michigan Department of Insurance and Financial Services (DIFS) or consult with your independent agent.


Filing a homeowners insurance claim in Michigan might seem overwhelming, but with the right guidance and meticulous approach, the process becomes more manageable. As an independent insurance agency, our role is to advocate for you, ensuring that you get a fair settlement to help restore your home. Always remember, you’re not alone in this journey; we’re here to assist every step of the way.