File a DIFS complaint against your insurance company, the right way.

There is no private lawsuit for a violation of Michigan's unfair-practices code. Michigan courts hold that the code "provides a comprehensive, exclusive scheme of enforcement" by the regulator, not by the policyholder in court (Crossley v Allstate Ins Co, 155 Mich App 694 (1986)). A DIFS complaint is regulatory pressure. The money remedies are the contract itself, the appraisal clause for amount disputes, and the 12% interest statute.

DIFS itself cannot order your money paid. The statutory clocks still run while your complaint is pending, and the documentation you attach to the complaint is the same documentation that supports the money later.

Example: your proof of loss was received February 1. The insurer never told you in writing what else it needed, so there is a gap under MCL 500.2006(3). By April 2, 60 days later, the 12% interest clock in MCL 500.2006(4) is already running on whatever amount is later found owed. If $15,000 of that stays unpaid for six more months past that date, the statute adds $900 in interest, money a DIFS complaint cannot order directly, but a later payment, an appraisal award, or a court judgment must still include.