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.
Continue to the Pioneer WebsiteThe Pioneer Advantage
This is a package of coverages, bundled together for a great value. It includes:
Home Cyber Protection
Provides $25,000 coverage limits for Cyber Attack, Cyber Extortion, Online Fraud, Data Breach or Identity Recovery costs incurred as the direct result of any one occurrence.
Backup of Sewers or Drains
This provides $5,000 coverage limits for a direct loss caused by water which backs up through sewers or drains, or water which enters into and overflows from within a sump pump or other type of system designed to remove subbsurface water that has drained from the foundation area.
Refrigerated Products
Your policy comes standard with a $250 limit for covered losses of your refrigerated products. The Pioneer Advantage increases that limit by $250.
Fire Department Service Charge
Your policy comes standard with a $500 limit to pay for fees from your fire department related to covered losses. The Pioneer Advantage increases that limit by $500.
Tree Removal
Your policy comes standard with a $500 limit for the removal of (any one) damaged tree related to covered losses. The Pioneer Advantage increases that limit by $500.
Theft from Self-Storage Unit Coverage
Your policy automatically includes a limit of $2,000 for theft of personal property being kept in a locked self-storage unit. The Pioneer Renters Advantage adds $3,000 to that limit for a total of $5,000 in coverage.
Ordinance or Law Coverage
This coverage adds a limit of 10% of your policy’s Coverage A limit for additional costs incurred when required by ordinance or law and a covered loss is involved.
Mortgage Extra Expense Coverage
This endorsement adds coverage for:
- Up to $1,000 in Acquisition Costs for title search fees, appraisal fees, and application fees.
- Up to $250 per month for Additional Monthly Mortgage Expenses on a replacement dwelling due to a higher interest rate for the same principal amount as the first mortgage for the shorter of the following:
• 4 years from the date of the first payment
• the date following the first payment on which your ownership or legal control of the replacement dwelling is transferred.
Mortgage Expense payments are made semi-annually, and your policy deductible applies to this coverage.
This coverage can be added online via your My Pioneer account!