(586) 209-4390
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Water Damage Help
Service Area
Company
13854 Lakeside Circle, Suite 558
Sterling Heights, MI 48313
Insurance Claims Assistance
Filing an insurance claim after water damage is stressful. Prime Restoration of Macomb handles the entire insurance process so you don't have to. We provide direct billing to all major carriers, prepare industry-standard Xactimate estimates, and coordinate directly with your adjuster from start to finish.
From first call to final repair, here is exactly how we help Michigan homeowners navigate their water damage insurance claim.
Take photos and video of all water damage before moving anything. Capture the source of the water, affected rooms, damaged belongings, and water levels. This documentation is critical evidence for your insurance claim.
Contact your insurance carrier to report the damage and open a claim. Get your claim number and the name of your assigned adjuster. Note the date and time of the call for your records.
Call us at (586) 209-4390 for immediate emergency response. We arrive within 60 minutes across Sterling Heights, Clinton Township, Shelby Township, and all of Macomb County to begin water extraction and mitigation — which your policy requires you to do promptly to prevent further damage.
Our team prepares detailed, line-item estimates using Xactimate — the same software your insurance adjuster uses. This eliminates pricing disputes, speeds up approval, and ensures you receive fair compensation for the full scope of water damage restoration.
We communicate with your insurance adjuster on your behalf, walk them through the damage scope during on-site inspections, submit documentation and supplements, and advocate for full coverage of all necessary restoration work.
Our IICRC-certified technicians perform the complete restoration — from emergency mitigation through final repairs, including mold remediation if needed. We bill your insurance company directly. In most cases, you only pay your deductible.
Understanding your coverage is the first step. Here is what most Michigan homeowners insurance policies typically include and exclude for water damage. For a deeper dive, read our guide on whether insurance covers water damage in Michigan.
Burst or Frozen Pipes
Sudden pipe failures, including frozen pipes that crack during Michigan winters. See our burst pipe repair services.
Appliance Failures
Water heater ruptures, washing machine hose breaks, dishwasher malfunctions, and refrigerator leaks requiring water damage restoration.
Storm Damage
Wind-driven rain through damaged roofs, broken windows, or compromised siding.
Accidental Overflow
Bathtub or sink overflows, toilet overflows (non-sewage), and accidental water discharge that may lead to basement flooding.
Gradual or Long-Term Damage
Slow leaks, seepage, or moisture buildup that occurs over weeks or months. This can often lead to mold issues if left unaddressed.
Flood Damage
Rising water from rivers, lakes, or heavy rainfall requires a separate NFIP flood insurance policy.
Neglected Maintenance
Damage resulting from failure to maintain plumbing, roofing, or appliances.
Sewer Backup (Standard Policy)
Most standard policies exclude sewer backup. An affordable rider can typically be added for coverage.
Understanding Michigan insurance regulations and norms helps you navigate your water damage claim with confidence.
Most Michigan homeowners carry deductibles between $500 and $2,500 for water damage claims. Some policies have separate, higher deductibles for wind and hail damage ranging from 1% to 5% of the dwelling coverage amount. Review your declarations page to confirm your deductible before filing a claim. Learn more about water damage restoration costs in Michigan.
Michigan is governed by the Department of Insurance and Financial Services (DIFS). Insurers must acknowledge claims within 30 days and cannot unreasonably delay payment. Michigan law prohibits insurers from canceling your policy solely because you filed a single weather-related claim. You have the right to choose your own restoration contractor.
Report water damage to your insurer as soon as possible — ideally within 24 hours. Michigan's statute of limitations for filing a property insurance lawsuit is one year from the date of loss. Begin mitigation immediately to prevent secondary damage, as most policies require prompt action to minimize the loss. Delayed reporting can result in reduced or denied claims. Read our guide on how to file a water damage insurance claim in Michigan.
Prime Restoration of Macomb partners with all major Michigan insurance carriers for direct billing and seamless claims processing.
State Farm
Allstate
USAA
Farmers
Auto-Owners
Citizens Insurance
AAA
Progressive
Liberty Mutual
Nationwide
Don't see your carrier listed? No problem. We work with virtually every insurance provider operating in Michigan. Call us and we will handle your claim.
These are the most common situations where Michigan homeowners file water damage insurance claims. Prime Restoration of Macomb handles each one from start to finish.
A burst pipe is typically covered by homeowners insurance when it occurs suddenly. Michigan winters frequently cause frozen pipes to crack, flooding walls, ceilings, and basements. We provide emergency water damage restoration and handle the entire insurance claim.
Basement flooding after heavy rain is common across Sterling Heights, Clinton Township, and Chesterfield Township. Coverage typically depends on the cause — sump pump failure may require a rider on your policy.
Fire damage is typically one of the most straightforward insurance claims. Your policy generally covers structural repair, smoke and soot cleanup, odor removal, content restoration, and temporary living expenses while your home is being restored.
Mold remediation may be covered when it results from a sudden, covered water damage event — such as a burst pipe or appliance failure. However, mold from long-term neglect or gradual leaks is typically not covered. Quick response is critical.
Answers to the most common questions Michigan homeowners ask about water damage insurance claims.
No. In fact, we recommend calling Prime Restoration of Macomb first at (586) 209-4390, especially in an emergency. Most Michigan homeowners insurance policies require you to mitigate further damage immediately. We begin emergency water extraction and drying right away, then help you file the claim with complete documentation. Delaying mitigation can actually reduce your insurance coverage.
Yes. We bill all major insurance carriers directly so you do not have to pay the full cost out of pocket and wait for reimbursement. In most cases, you are only responsible for your insurance deductible. We handle all paperwork, invoicing, and communication with your carrier throughout the restoration process.
Xactimate is the industry-standard estimating software used by virtually every insurance adjuster in the United States. When your restoration company provides estimates in Xactimate format, it matches exactly what your adjuster expects to see — eliminating pricing disputes, speeding up claim approval, and ensuring you receive fair compensation. Prime Restoration of Macomb prepares all estimates in Xactimate format.
If your claim is denied, do not panic. Common denial reasons include the insurer classifying the damage as gradual or a maintenance issue. Prime Restoration of Macomb can provide additional documentation, moisture readings, and professional assessments to support an appeal. We also recommend consulting with a public adjuster or insurance attorney if the denial seems unjustified. Our detailed documentation has helped many Michigan homeowners get denied claims overturned.
While Michigan law does not set a specific statutory deadline for filing property damage claims, most insurance policies require prompt notice — typically within 24 to 72 hours of discovering the damage. We strongly recommend filing your claim the same day you discover water damage. Delayed reporting is one of the most common reasons insurers reduce or deny claims. Contact Prime Restoration of Macomb immediately and we will help you meet all deadlines.
Filing a single water damage claim may or may not affect your premium — it depends on your carrier, your claims history, and the cause of damage. In Michigan, insurers cannot raise your rate solely because of a single weather-related claim. However, multiple claims within a short period can result in higher premiums or non-renewal. We recommend discussing this concern with your insurance agent before filing. That said, unrepaired water damage typically leads to mold, structural issues, and far greater costs down the road.
Learn more about water damage insurance claims, costs, and coverage in Michigan.
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What Michigan homeowners insurance typically covers and what it does not.
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Step-by-step guide for Michigan homeowners filing claims the right way.
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Typical costs and how insurance may cover the majority of your expenses.
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Xactimate estimates, adjuster coordination, and direct billing support.
Learn more →Prime Restoration of Macomb handles the entire insurance process — documentation, Xactimate estimates, adjuster coordination, and direct billing. You focus on your family. We focus on your home.
Licensed & insured. IICRC certified. 24/7 emergency service. 60-minute response across Macomb County.