Winter is Coming: Get the Most From Your Homeowner’s Insurance Claims

Girl sitting by a fireplace on her laptop

In Michigan, we can get some crazy weather during the colder months, which can lead to home damage. Leaks, floods, ice damage, roof problems from snow accumulation, or even freeze-thaw damage can wreak havoc on your home. If the damage is great enough for you to file an insurance claim, here are a few ways to make sure you’re maximizing the payout you should get with your policy:

Review your policy – thoroughly.

Understand your coverage prior to an emergency, so you’re not scrambling to figure out what’s covered when your roof starts leaking during a big thaw. Sometimes you’ll find you’re underinsured or that something is covered that you never considered.

Take photos and video/document damage.

Capture photos of what your house looks like at its best – before a storm hits. Then, when you take “after” photos, the insurance company can more accurately assess the severity of the damage. You can also hire your own adjuster and prepare a detailed inventory of everything that was damaged, including estimated replacement costs.

Make temporary repairs.

Some damage needs to be remedied right away, such as leaking roofs or broken windows. Otherwise, the insurance company could say you waited too long and your claim could be dismissed. Keep all receipts and documentation, and you should be reimbursed.

If you have questions about your current coverage, contact the experts at Michigan First Insurance Agency at 844.788.0818 for a free, no-obligation quote. Many people are finding savings with us. If you combine home and auto coverage, you may find additional savings! Average home and auto insurance savings for some is $588 per year.* If our insurance agency can’t save you money this time, call back at your next renewal as insurance rates frequently change.


*Average Savings figure is a national average savings number from the previous 12 months of auto, homeowner and packaged policyholders’ savings per customer when compared to the policyholders’ former premiums. Individual premiums and savings will vary.

Michigan First Insurance Agency, LLC is a subsidiary of Michigan First Credit Union. Business conducted with Michigan First Insurance Agency, LLC is separate and distinct from any business conducted with Michigan First Credit Union or Michigan First Mortgage. Insurance products are not issued by or guaranteed by Michigan First Credit Union or Michigan First Mortgage.

2 responses to “Winter is Coming: Get the Most From Your Homeowner’s Insurance Claims”

  1. Margot says:

    Thank you for the excellent article

  2. Gita says:

    I enjoy the article