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Welcome to the best Michigan insurance resource! Michigan has the most unique insurance laws in the United States. Learn about what it takes to be insured properly as a Michigander. Get saving tips, mandatory coverage amounts, and answers to many frequently asked questions.

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Help! High Winds Damaged My Home

High winds can cause serious damage to your home almost anytime of the year. Siding can be ripped off, shingles can be blown away in large chunks, and lawn chairs and fencing can get tossed. Luckily, most home insurance policies cover a loss due to high winds, straight line winds, and tornadoes. How much coverage you have depends on how you have your home policy set up.

After the Storm

Once you know damage has occurred, it is important to remember to always protect your home from further damage. If shingles are missing, throw a tarp over the exposed area. Same with siding damage, try your best to protect the exposed area from water damage due to rain.

Call your insurance company as soon as possible. I always recommend to start with contacting your agent. Your insurance agent will be able to give you helpful advice on the claims process and possibly direct you to a good siding and roofing expert. If the damage is severe and it is after hours, contact your insurance carrier directly using your company’s 800 number. It is typically advised to have a claims adjuster out to look at the damage before making any repairs. If that is not possible, be sure to take photos and save all receipts.

Replacement Cost Coverage

Most all preferred home insurance policies have a replacement cost option for the structure. In case of a total loss, insurance companies usually cap replacement cost at 125% or 150% of the insured value to cover the cost of a rebuild. Typically a high wind is not going to cause a total loss, so you would get your home repaired like, kind, and quality minus your deductible. Michigan home insurance policies usually come with a flat rate deductible in increments of $250. $500, $1000, and $1500 are all common deductibles seen on home insurance policies.

Repair Cost Coverage

Without replacement cost coverage, you are looking at substantially less coverage. Depreciation will be factored into your claim payout. For instance, if your roof is ten years old, that will be factored into calculating the payout. Replacing your roof might cost $6000, but your coverage might only cover $3500.

Home owner policies are most often sold with replacement cost coverage. It is important to understand the coverage you are purchasing. Always ask your insurance agent whether your policy has replacement cost coverage on both the structure and contents of the home.

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