# Water Damage Insurance Claim Checklist (Michigan, Printable) | Water Damage Lansing

> A free printable water damage insurance claim checklist for Lansing-area homeowners and renters, including the Michigan 45-day city notice.

URL: https://waterdamagelansing.com/resources/

Water Damage Lansing publishes this printable water damage insurance claim checklist for Lansing-area homeowners and renters.

## Before Help Arrives

- Stay out of water near electricity.
- Stop the source: main valve for a pipe or appliance; power, GFCI, and float for a sump pump.
- Floor drain backing up: stop using all water; treat it as sewage.
- Move belongings out of the water if safe.
- Start drying within 24–48 hours to prevent mold.

## What to Photograph

- The source, the water level, every affected room, damaged belongings with serial numbers, and outside conditions for storms.

## Which Michigan Coverage Applies

- Burst pipe, water heater, appliance: usually covered by homeowners insurance.
- Floor-drain or sewer backup, sump overflow: excluded without a water backup endorsement.
- Seepage: usually excluded.
- River or surface flooding: NFIP or private flood insurance.
- Renters: landlord's policy covers the building; renters policy covers belongings.

## Public Sewer Backup: 45-Day Notice

MCL 691.1416–.1419: written notice to the city or utility within 45 days of discovery, with name, address, phone, property address, discovery date, and a brief description.

Phone: (517) 816-1499