DIFS Offers Insurance Tips and Resources Following Severe Weather Across Michigan

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Consumer Hotline: 877-999-6442, Michigan.gov/DIFScomplaints

FOR IMMEDIATE RELEASE: March 17, 2026

(LANSING, MICH) Following the deadly tornadoes that touched down in southwest Michigan along with the severe weather that has impacted the state this month, the Michigan Department of Insurance and Financial Services (DIFS) is offering tips and resources to assist residents with filing insurance claims and protecting themselves from fraud.

"As Michiganders assess damage and recover following the tornadoes, severe weather, and flooding over the week, it is important for consumers to understand their rights and responsibilities when filing insurance claims, as well as how to protect themselves from fraud," said DIFS Director Anita Fox. "If you were impacted, carefully review your insurance policies and work with your agent or insurance company to file a claim. DIFS is available to answer questions and assist consumers from 8 a.m. to 5 p.m. Monday through Friday at 877-999-6442."

Anyone impacted by storm damage should:

• Take steps to protect the property and prevent further loss if it is safe to do so. Be sure to keep receipts for any purchases of supplies that are needed to protect the property.
• Document the loss. Take pictures or videos of the damaged items and do not get rid of the items until instructed to do so by the insurance company.
• Contact their insurance company's claims hotline and/or agent to report the claim. Have the policy number and other relevant information readily available. DIFS has prepared an Insurance Claims Tracking Sheet to make this process easier.
• Review insurance policies to understand their coverage and discuss any questions with an insurance agent or company.
• If there is water damage to a home or other structure, consumers should tell their insurance company that there is water damage and that they are looking to determine what coverage is available.
  • Consumers should be aware that a "flood" may have a specialized meaning as there may be many causes for water damage, such as storm-related rainwater intrusion, sewer backup, or failing sump pump, that may be covered under the policy. Be careful with the language you use to describe a water loss.
• If there is damage to a vehicle, consumers should contact their auto insurance company. They may have coverage for the damage if they purchased optional comprehensive coverage on their auto policy.
• Stay vigilant of fraud and scams. After a severe weather incident, fraudsters claiming to be adjusters, contractors, and other service providers often go door-to-door purporting to offer services, such as debris cleanup or building repairs, that will not be completed or may be completed with poor-quality materials or shoddy workmanship.
  • Consumers should contact their insurance company before hiring a contractor, and be sure to check the service provider's credentials, including licenses, references, and insurance. Also, remember that claims adjusters work for and are paid by the insurance company and should never ask homeowners for any payment for their services that are covered by their homeowners or renter's policy.

Additional disaster recovery information is available on the DIFS website.

DIFS encourages consumers to first attempt to resolve any claim disputes directly with their insurance company. If a resolution cannot be reached, DIFS will help try to resolve disputes. To learn more and file a complaint, visit Michigan.gov/DIFScomplaints. Anyone with questions or concerns about their insurance coverage is asked to call the DIFS toll-free hotline 8 a.m. to 5 p.m. Monday through Friday at 877-999-6442.

The mission of the Michigan Department of Insurance and Financial Services is to ensure access to safe and secure insurance and financial services fundamental for the opportunity, security, and success of Michigan residents, while fostering economic growth and sustainability in both industries. In addition, the Department provides consumer protection, outreach, and financial literacy and education services to Michigan residents. For more information, visit Michigan.gov/DIFS or follow the Department on Facebook, X, or LinkedIn.

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