by admin | Jun 15, 2026 | Uncategorized
Water in your basement or living space is one of the most common property damage events in Michigan — and one of the most confusing from an insurance standpoint. Whether it is covered depends almost entirely on where the water came from. Two events that look...
by admin | Jun 15, 2026 | Uncategorized
Your homeowners insurance declaration page — the “dec page” — is a one or two page summary of your entire policy. It is what your carrier sends you at renewal and what you hand to your mortgage lender at closing. Most Michigan homeowners file...
by admin | Jun 15, 2026 | Uncategorized
When your insurance company’s settlement offer is lower than what it actually costs to repair your home — and negotiations have stalled — Michigan homeowners have a formal tool most of them have never heard of: the appraisal clause. It is already in...
by admin | Jun 15, 2026 | Uncategorized
Most Michigan homeowners don’t know they have ALE coverage until they’re standing in a hotel parking lot the night of a fire or flood. ALE — Additional Living Expenses — is a standard component of Michigan homeowners policies that pays for the...
by admin | Jun 3, 2026 | Uncategorized
What Is Recoverable Depreciation and How Do You Collect It? Your insurance company approved your claim, cut you a check, and then withheld a portion labeled depreciation. For many homeowners, this is where the confusion starts. What exactly is depreciation in an...
by admin | Jun 3, 2026 | Uncategorized
How to Read an Insurance Scope of Loss (And Spot What Is Missing) When your insurance adjuster finishes their inspection, they generate a document that drives everything that follows: the scope of loss. This document determines how much you get paid, what repairs are...
