Michigan’s Spring/Summer Storm Season: How to Avoid Insurance Claim Nightmares

Michigan summers bring warm temperatures, trips to the lake, and backyard barbecues. But they also bring severe weather—from hailstorms and high winds to flash floods and tornadoes. Every year, these storms leave homeowners dealing with roof damage, fallen trees, and flooding—only to find out their insurance company isn’t as helpful as they expected.

At Advocate Claims Services, we specialize in making sure Michigan homeowners get the full payout they deserveafter storm damage. If you think your insurance will take care of you, think again—many policyholders are left with denied or underpaid claims. Here’s how to avoid getting caught in an insurance claim nightmare this storm season.

Top 5 Summer Storm Threats for Michigan Homeowners

1. Wind and Tornado Damage

• Michigan sees an average of 15+ tornadoes per year, plus severe thunderstorms with winds over 60 mph.

• Wind can tear shingles off your roof, rip siding from your home, and knock down fences and trees—causing thousands in damage.

2. Hailstorms

• Hail as small as a marble can dent siding, break windows, and cause hidden roof damage.

• Insurance companies often downplay hail damage, leaving homeowners with leaks and costly repairs months later.

3. Flash Flooding

• Heavy summer rainstorms can overwhelm Michigan’s drainage systems, leading to flooded basements and water-damaged homes.

• Many homeowners assume flood damage is covered—but most standard policies don’t include it!

4. Lightning & Power Surges

• Lightning can ignite house fires, fry electrical systems, and damage appliances.

• Many insurance policies only cover direct lightning strikes, leaving homeowners without coverage for power surge-related damage.

5. Fallen Trees & Debris

• High winds can bring down massive tree limbs, damaging roofs, cars, and garages.

• Insurance loophole alert: Some policies don’t cover tree removal costs—even if the tree was healthy before the storm!

  
  

How Insurance Companies Undervalue Storm Damage

Insurance companies don’t make money by paying out big claims. That’s why they often:

🚩 Offer quick, lowball settlements before homeowners fully assess damage.

🚩 Blame damage on pre-existing conditions to deny claims.

🚩 Underestimate repair costs, leaving homeowners short on funds.

🚩 Exclude hidden damages that could lead to mold or structural issues later.

How to Avoid a Storm Damage Claim Nightmare

✅ Document Everything Before a Storm – Take photos/videos of your home now to prove pre-storm condition.

✅ Inspect After Every Storm – Even minor damage can get worse over time.

✅ Don’t Accept the First Offer – Always get a second opinion from a public adjuster.

✅ Call Advocate Claims Services! – We fight for maximum payouts and handle everything for you.

🚨 Michigan’s summer storms are unpredictable—don’t let your insurance company leave you in the rain. Call 855-ACS-2-WIN for a FREE damage assessment! 🚨www.acsadjusters.com