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Michigan Property Insurance Claims Directory

Find Your Home Insurance Company’s Claims Department

Quickly locate the official phone number and online claim-reporting page for residential property insurers serving Michigan.

Find My Insurance Company
Call Kapi Restoration: 734-521-4330

Immediate danger? For fire, electrical, gas, or structural hazards, contact the appropriate emergency authority first.

Is Your Property Still Being Damaged?

You generally do not need to wait for an insurance adjuster before taking reasonable emergency steps to protect your property from additional damage. Document conditions, preserve damaged materials when practical, and retain receipts for emergency work.

Restoration technician checking a water-damaged wall with a professional moisture meter.
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Michigan Residential Property Insurance Claims Contacts

Search using the name shown on your insurance card, declarations page, billing statement, or mobile app. Some policies are issued by an affiliated underwriting company but handled through a better-known consumer brand.

Independent Consumer Directory: Insurance company names and logos are displayed solely to help consumers identify their insurer and locate official claim-reporting resources. Kapi Restoration is not affiliated with, endorsed by, or acting on behalf of any listed insurance company.

23 insurance brands shownContact details reviewed August 1, 2026

Farm Bureau Insurance of Michigan

Also search: Farm Bureau General Insurance Company of Michigan

877-324-6764
Call claimsOfficial claims page

Use policy or agent if channel differs. Confirm the number on your policy before reporting.

Hanover / Citizens

Also search: The Hanover Insurance Company; Citizens Insurance Company of America

800-628-0250
Call claimsOfficial claims page

24/7 claim reporting. Confirm the number on your policy before reporting.

Progressive Home / Homesite

Also search: Homesite Insurance Company; ASI affiliates

866-274-5677
Call claimsOfficial claims page

Confirm the underwriting company on policy. Confirm the number on your policy before reporting.

No matching insurer found.
Try the full legal company name shown on your declarations page, contact your agent, or use the Michigan DIFS lookup below.

Don’t See Your Insurance Company?

Check the first page of your policy or declarations page for the full legal company name. You may also contact your insurance agent or verify the company through Michigan’s Department of Insurance and Financial Services.

Verify an Insurer with Michigan DIFS
Search the NAIC Consumer Database

Information to Gather Before Reporting Your Claim

Policy details

  • Policyholder’s name
  • Property address
  • Policy number, if available

Loss details

  • Date and approximate time
  • Brief description of what happened
  • Areas of the property affected

Tip: Accuracy Is More Important Than Certainty

If you are not 100% certain about a fact, it is okay to say, “I don’t know.” Tell the insurer what you directly observed, identify every area you know may be affected, and avoid guessing about the cause or using technical terms you are unsure about.

Do not minimize the visible scope. If six rooms may be affected, identify all six rather than reporting only the two with obvious damage. Early claim information may influence the insurer’s initial reserve and response. Also, similar-sounding terms can have different coverage implications—for example, a plumbing backup may be treated differently from an overflow. Describe what happened in plain language and let qualified professionals determine the technical cause and terminology.

Documentation

  • Photos or videos
  • Emergency services performed
  • Safe follow-up contact information

What Happens After You Report Property Damage?

Restoration professional documenting residential property damage with a tablet.

01

Protect the property

Take reasonable steps to prevent additional damage when safe. This may include water extraction, temporary roof covering, board-up, or controlled removal of wet materials.

02

Document conditions

Photograph affected rooms, damaged materials, equipment placement, and emergency work. Avoid disposal until property is documented and insurer instructions are considered.

03

Track the claim

Record your claim number, adjuster’s name, phone number, email address, and each significant claim conversation.

Questions or Concerns About an Insurance Claim?

Michigan DIFS provides consumer information and accepts complaints involving insurance companies and insurance professionals. Consumer hotline: 877-999-6442, Monday–Friday, 8:00 a.m.–5:00 p.m.

Visit Michigan DIFS

Frequently Asked Questions

It does not hurt to call Kapi Restoration first. We can help you assess the apparent scope and urgency before you decide whether filing a claim makes sense. Some losses may be smaller than the deductible or potential premium impact warrants, while certain causes—such as long-term seepage—are commonly excluded. A claim that is opened and then denied may still become part of your claim history. If there is an active emergency, prioritize safety and reasonable steps to prevent additional damage.
Kapi Restoration cannot file the insurance claim on your behalf. However, we often assist customers by calling the insurer together with the policyholder so the loss is described accurately, all known affected areas are identified, and the insurer receives the correct restoration-related information. The policyholder remains the person reporting and authorizing the claim.
Many insurance groups issue policies through affiliated underwriting companies. Search using either the consumer brand or the full company name shown on your declarations page.
No. This is an independent consumer resource. Inclusion does not indicate endorsement, partnership, preferred-vendor status, or authorization to represent the insurer.
Each entry displays its most recent review date. Because insurers may change phone numbers, websites, eligibility, or procedures, confirm information on the insurer’s official website and your policy.

Property Damage Doesn’t Stop While You Wait for an Adjuster

Kapi Restoration provides emergency water mitigation, temporary property protection, fire and smoke restoration, and full-service reconstruction throughout Livonia and Metro Detroit.

Call 734-521-4330
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Kapi Restoration is an independent disaster-restoration contractor and is not an insurance company, insurance agent, insurance adjuster, public adjuster, government agency, or representative of any listed insurer. Company names and trademarks belong to their respective owners and are provided solely to help consumers identify official claim-reporting resources. Contact information should be confirmed directly with the insurer. Licensing status and product availability may change.