Homeowners Coverages

Our Thoughts Are With Those Impacted by the Recent Michigan Tornadoes

We are deeply saddened by the recent tornadoes that touched down across Michigan, resulting in significant property damage and, tragically, loss of life. Our thoughts are with everyone affected. If you or your loved ones were impacted, we hope you are safe and know that we are thinking about you during this difficult time.
Your safety and well being come first. Once you are safe and able, the following best practices may help as you begin the recovery process.

Please Stay Safe

• Do not enter damaged structures until authorities say it is safe to do so.
  
• Be mindful of downed power lines, gas leaks, unstable structures, and debris.
• If emergency services instruct you to evacuate or restrict access, please follow their guidance

Document the Damage

• Take clear photos or videos of all visible damage before making repairs, if it is safe to do so.
• Capture damage to the exterior, interior, and personal property.
• Continue to document damage as conditions change or additional issues become visible.

Protect Your Property from Further Damage

• Make reasonable and necessary temporary repairs to prevent additional damage (for example, tarping a roof or boarding broken windows).
• Keep receipts for materials, supplies, or services used for these temporary repairs.

Temporary Living Expenses

• If you are displaced from your home, keep a log of temporary lodging and meal expenses.
• Save all receipts related to hotels, short term rentals, meals, and other necessary living expenses incurred due to displacement.

Do Not Dispose of Damaged Property

• Please do not throw away damaged items until your insurance company has had an opportunity to review them or has authorized disposal.
• If items must be removed for safety or health reasons, take photos first and keep samples when possible.

We Are Here to Help

When you are ready, please contact your agent to begin the claims process or if you have questions about next steps. We are committed to supporting you with care, compassion, and clarity as you move forward.