Water damage is not always handled the same way by insurance. Learn the difference between flood, sewer backup, sump overflow, and pipe leaks, plus what to document if water is already in your home.

Cheap insurance can look fine until claim time. This quick Michigan insurance checklist covers Broad vs Standard Collision, roof Actual Cash Value vs Replacement Cost, water backup coverage, UM/UIM limits, wind and hail deductibles, and other common coverage gaps that can become expensive surprises later.

Many Michigan homeowners do not realize water backup or sump overflow coverage may be optional. Learn what to check before a basement water claim happens.

Most homeowners assume water in the basement is covered. Sometimes it is — and sometimes it is not. In this video, we explain the difference between flood coverage, ground seepage, and water backup coverage in a standard Michigan homeowners policy. We also cover why sump pump failures and sewer backups can create major out-of-pocket costs if the right endorsement is missing. Real example:A finished basement took on four inches of water after heavy rain and a sump pump failure