Due to an increase in "cosmetic" claims in recent years, many insurance companies have elected to add endorsements to both homeowner and commercial policies excluding coverage on these types of claims. They do this in order to keep the cost of insurance premiums down. An endorsement...
Metro Detroit, Michigan - August 11, 2014 Historic rainfall in one of the wettest days in recorded history for Southeast Michigan has resulted in widespread flooding throughout the metro Detroit area. As a consequence of the downpour, the area’s homeowners and businesses suffered substantial property losses,...
If summer storms damage your property, are you protected? In Michigan, we are lucky enough not to have monster tornadoes or floods. But even a vanilla summer storm could result in extensive property damages, some of which may not be covered by your homeowners policy. Find...
Water damage is one of the most common types of property damage. From broken pipes, to overflowing toilets and sewage backups, water damage occurs frequently and causes extensive property losses - soaking carpets, destroyed belongings, structural damage, odors and mold. You are Responsible for the Restoration...
Frozen Pipes Property Damage - Frequently Asked Questions With sub-zero temperatures across Michigan, homeowners face an increased risk of frozen water pipes and water damage to their homes from burst pipes. Property losses from burst or frozen pipes average more than $10,000, and the time needed...
Property Loss due to Roof Ice Dams Recent snowfall accumulation and low temperatures in the Metro Detroit area and throughout Michigan have created the conditions for ice dams to form on roof edges. Without proper remediation, ice dams can result in significant damage to the home...
From flooded basements, to burst pipes and to leaky faucets, water damage is one of the most common reasons people make claims on their home insurance. However, not all types of water damage are covered by a standard homeowners policy. Here’s what’s covered, what’s not...
Water damage is one of the most frequent types of property damage and property loss insurance claims. According to the Insurance Information Institute, water damage comes in second place for insurance claims frequency, and in fourth place for homeowner losses ranked by claims severity. Even a...