As a veteran science-and-policy writer with 30 years of field experience, I translate Michigan’s DIFS guidance into practical, action-oriented steps for residents dealing with the aftermath of severe weather.
This post explains how to file insurance claims, protect yourself from fraud, and use official tools and resources to stay informed during floods, tornadoes, and related damage across the state.
Guidance from DIFS After Severe Weather
Michigan’s Department of Insurance and Financial Services (DIFS) instructs residents to contact insurers or agents first to report damage and begin the claims process.
A live call center is available weekdays from 8 a.m. to 5 p.m. at 877-999-6442 to assist homeowners and vehicle owners.
The agency also offers an insurance claim tracking tool to help organize policy numbers and other important information.
Practical Steps for Filing a Claim Quickly
To navigate the claims process efficiently and avoid common pitfalls, follow these practical steps.
Keeping details organized with the tracking tool can speed reviews and reduce back-and-forth with insurers.
- Contact your insurer or agent as soon as damage occurs
- Document damage with photos or videos from multiple angles
- Keep receipts for any temporary repairs, supplies, or services related to the loss
- Hold onto damaged items until your insurer instructs you about disposal
- Use the DIFS claim tracking tool to organize policy numbers, adjuster names, and claim numbers
- Be cautious of fraudsters posing as adjusters, contractors, or service providers
- Verify credentials, licenses, and references for any contractor you hire
- Be aware that true adjusters are paid by insurers and should not request payment for policy-covered services
- If disputes arise that you cannot resolve with an insurer, file a complaint at Michigan.gov/DIFScomplaints
Fraud Prevention and Contractor Verification
Fraudsters take advantage of the chaos after a disaster.
DIFS emphasizes verifying every professional’s credentials before signing contracts or paying for work.
What to Check Before Hiring a Contractor
Before signing any contract, perform these verifications:
- Confirm licenses, registrations, and insurance coverage for the contractor and any subcontractors
- Ask for references and contact them to verify quality of work and timeliness
- Get a detailed written estimate and compare with your policy coverage
- Ask for proof of the contractor’s credentials, and verify them with the issuing authority
- Avoid paying large upfront sums; beware of cash-only deals or pressure tactics
- Ensure the contractor carries liability and workers’ compensation insurance to protect you from liability
Resources for Real-Time Updates and Support
The State Emergency Operations Center remains fully activated to coordinate response efforts.
For ongoing alerts and resources related to the April storms and Cheboygan Dam situation, visit Michigan.gov/AprilStorms2026 and Michigan.gov/Cheboygan-Dam.
If you need direct assistance or have unresolved issues, use the DIFS calls and the complaints portal as described above.
Here is the source article for this story: Tips for filing insurance claims as Michigan faces severe weather