DIFS Urges Michiganders to Review Insurance and Prepare for Winter Storms

Media Contact: [email protected] 
Consumer Hotline: 877-999-6442, Michigan.gov/DIFScomplaints

FOR IMMEDIATE RELEASE: January 22, 2026

(LANSING, MICH) As Michigan braces for more winter weather, the Michigan Department of Insurance and Financial Services (DIFS) is reminding residents to protect themselves from property damage, costly repairs, and financial loss caused by snow, ice, and freezing temperatures.

“Michigan winters are beautiful, but they can also lead to unexpected costs, inconvenience, and injuries. Each year, we see consumers caught off guard by burst pipes, ice damage, or car crashes caused by slick roads,” said DIFS Director Anita Fox. “A quick insurance checkup before an incident occurs can save you time, money, and stress. Winter storm preparation would include a review of insurance policies, and follow-up with an agent or insurance company with any coverage questions. For additional help, DIFS call center is available at 877-999-6442, Monday through Friday, 8 a.m. to 5 p.m.”

Winter-related damage can lead to expensive repairs, sometimes costing up to thousands of dollars. Taking advance precautions and knowing how your insurance policies apply and what they cover is key to avoiding loss and a smooth recovery if you file a claim.

Protect Your Home

Frozen pipes, roof collapses, and ice dams are among the most common winter insurance claims.

• Keep your heat set above 55°F and insulate exposed pipes.
• Clear gutters and snow buildup on your roof to prevent leaks.
• Review homeowners coverage for damages caused by ice, snow, and burst pipes.

Prepare for Power Outages

Heavy snow and ice can knock out power for hours or even days.

• Some homeowners policies may cover spoiled food or temporary living expenses if a covered loss causes an outage.
• Keep flashlights, blankets, and backup chargers on hand, and consider using surge protectors to safeguard electronics.

Review Your Auto Coverage

Snow and ice lead to more auto accidents and towing claims.

• Understand the coverage you have available in the event of collisions, falling branches, or flooding. These types of damages are generally covered by collision or comprehensive coverage, which are not mandatory, but you may be required to include them on your policy under the terms of an auto loan or they may be appropriate for your family’s needs.
• Be sure to have a plan to pay your policy deductibles in the event of an emergency. This will allow you to take advantage of your coverage.

Check Your Travel Plans

If you plan to travel this winter, understand what’s covered if weather disrupts your plans.

• Travel insurance can reimburse you for canceled trips, delayed flights, or lost luggage.
• If you’re driving, carry an emergency kit with warm clothes, water, and a shovel.

Consumers with questions or concerns about their insurance or financial services can contact DIFS Monday through Friday, 8 a.m. to 5 p.m., at 877-999-6442 or by visiting Michigan.gov/DIFS.

The mission of the Michigan Department of Insurance and Financial Services is to ensure access to safe and secure insurance and financial services fundamental for the opportunity, security, and success of Michigan residents, while fostering economic growth and sustainability in both industries. In addition, the Department provides consumer protection, outreach, and financial literacy and education services to Michigan residents. For more information, visit Michigan.gov/DIFS or follow the Department on Facebook, X, or LinkedIn.

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