MI DIFS

DIFS Encourages Michiganders to Complete Home Inventory and Insurance Checkups This Spring

DIFS Director Anita Fox issued a consumer advisory on April 9, 2026, urging Michigan residents to conduct a home inventory and review their insurance policies with agents or companies this spring. The press release provides practical tips including using the NAIC Home Inventory smartphone app, verifying that homeowners or renters coverage limits meet current needs, confirming flood and water damage protection, and reviewing coverage for seasonal possessions such as boats and motorcycles. DIFS offers a free locator tool to help residents find licensed insurance agents.

Michigan DIFS Offers Insurance Tips Following Statewide Flooding and Severe Weather

The Michigan Department of Insurance and Financial Services issued consumer guidance on April 17, 2026, providing tips for residents affected by statewide flooding and severe weather. The advisory instructs policyholders to contact their insurance company claims hotline, document all damage with photos and videos, protect property from further loss while keeping receipts, and remain vigilant against fraud. DIFS notes that most standard homeowners and renters policies do not cover flood damage, and water damage causes such as storm-related rainwater intrusion, sewer backup, or sump pump failure may have specialized meanings under individual policies.