Dept. of Insurance gives winter tips

The Michigan Department of Insurance and Financial Services (MDIFS) is offering winter tips as road conditions become more challenging and temperatures drop. To minimize costs associated with winter-related incidents, MDIFS Director Anita Fox advises Michiganders to review the terms and benefits of their insurance policies.

Fox emphasizes the importance of understanding the variations in water coverage among different policies, with some being voluntary. She suggests that individuals speak to their insurance agents to fully comprehend their policies and assess whether they need additional coverage.

In a press release, MDIFS highlights collision coverage as a voluntary option for car owners. This coverage protects against damage incurred while driving, including collisions with other vehicles or objects due to loss of traction on icy or snowy roads.

For homeowners, Fox recommends checking property insurance and taking precautions to reduce winter-related risks such as water damage, building collapses, and burst pipes. Maintaining a minimum temperature of 65 degrees in the home helps prevent frozen pipes, even when the homeowner is away. Fox suggests enlisting someone to check the house periodically if the homeowner plans to be away for an extended period.

Additional recommendations for homeowners include cleaning gutters to prevent ice damming and removing dead or rotting trees to prevent branches from falling under the weight of snow or ice. Fox encourages communication with neighbors about potential tree-related risks and advises homeowners to consult their insurance agents to review coverage and minimize damage risks.

If policyholders encounter difficulties understanding their coverage, Fox suggests contacting their insurance company or agent. Questions or concerns can also be directed to the Department of Insurance and Financial Services at 877-999-6442, and complaints can be submitted through the website michigan.gov/DIFScomplaints.

Fox emphasizes the importance of being proactive in assessing insurance coverage before winter weather sets in, as heavy snowfall, winter winds, and cold temperatures can lead to damage to homes, vehicles, and other properties.