Wind and hail damage are the top reasons for homeowners insurance claims in Michigan. Winter weather increases the chances for these claims along with claims for home fires, fallen trees, burst pipes and slip and fall accidents. When you need to file a claim is not the time to realize you aren’t property covered. We discuss what you need to know about homeowners insurance in general such as deductibles and replacement costs with a focus on the specific seasonal issues to be prepared for and how to be sure you have the coverage you need.