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What to do in the event of an emergency home insurance claim | Michigan home, condo insurance

posted Oct 12, 2016, 12:31 PM by Jason Grubbs   [ updated Aug 16, 2018, 10:34 AM ]
Having been in the insurance business for over 25 years, I've noted quite often claims don't conveniently occur during business hours.

What is surprising is how people react when a loss occurs and they aren't immediately able to speak with their agent or insurance company for guidance.
Claims - Michigan Home, Condo Insurance

It's important to be aware your insurance company wants you to take action quickly to secure your property and minimize the extent of damage.  In fact, within the terms and conditions of most insurance policies you will find this is actually your duty in the event of a loss.

Here is a sampling of typical wording to this effect within home and condo insurance policies:
In case of a loss to covered property you must see that the following are done:
(1) Protect the property from further damage;
(2) Make reasonable & necessary repairs to protect the property; and
(3) Keep an accurate record of repair expenses