IICRC-certified water damage pros across all of Michigan — serving 10 cities and 0 counties. Average Michigan claim: $10K. 210,000+ claims filed annually statewide.
10
Cities Covered
$10K
Avg Claim Value
210K+
Annual Claims
Yes ✓
NFIP Participant
Flood Risk Profile
Southeast Michigan (Detroit metro) sits on a high water table with a combined sewer overflow system. Heavy rainfall causes citywide basement flooding — over 135,000 Wayne/Macomb/Oakland county homes flooded in August 2021 alone. Great Lakes shoreline properties face record lake levels and erosion that peaked in 2020.
Notable Events
August 2021 SE Michigan flooding (135,000+ basements flooded, $1B+ damages)
Edenville Dam and Sanford Dam failure 2020 (10,000 evacuated, Midland county)
January 2019 polar vortex — widespread pipe freeze and burst claims
Record Great Lakes high water levels 2019-2020 (shoreline property damage)
Insurance Info — Michigan
Michigan Department of Insurance and Financial Services regulates. Michigan has a 4-year statute of limitations on property damage claims. Detroit-area basement flooding is the top residential claim. Many policies exclude sewer backup — add a rider if you have a basement. Lake shoreline properties face wave action and erosion not covered by standard HO policies.
Licensing: Michigan Department of Licensing and Regulatory Affairs (LARA) — Residential Builder License required
Service Areas
Click any city for local flood risk data, cost estimates, and IICRC-certified pros.
Detroit
Wayne County
Grand Rapids
Kent County
Warren
Macomb County
Sterling Heights
Macomb County
Ann Arbor
Washtenaw County
Flint
Genesee County
Metro Area 9
Metro Area 9 County County
Metro Area 60
Metro Area 60 County County
Metro Area 111
Metro Area 111 County County
Metro Area 162
Metro Area 162 County County
Official FEMA Records
Local Pricing
Michigan averages $10K per insurance claim. Final cost depends on water category, affected area, delay time, and structural damage.
Use our cost calculatorAvg insurance claim
$9,500
Michigan statewide avg
Annual claims filed
210K+
In Michigan per year
Minor damage (Cat 1)
$1,500–$4,000
Clean water, small area
Severe damage (Cat 3)
$8,000–$25,000+
Sewage, flood, structural
IICRC-certified pros dispatch to your location 24/7 — average 43 min response across Michigan.
Educational Resources
Most homeowners call a plumber first. That's the wrong call. The order in which you contact a restoration company, your insurer, and a plumber directly affects how much you recover from insurance -- and how fast your home is restored.
The decisions you make in the first 60 minutes after water damage determine how much you pay, how fast you recover, and whether your insurance claim succeeds. Here's the exact sequence of actions.
Most water damage insurance claim denials happen because homeowners make one of seven preventable mistakes. This guide shows you exactly what to do — and what to avoid — from the moment water appears.
The average water damage restoration costs $3,900 nationally — but ranges from $1,200 to $25,000+ depending on factors most homeowners don't know about before they call.
Reviewed by Marcus Reed, IICRC WRT · Last updated: 2026-07-10
HearthDry is an independent educational resource for Michigan homeowners. Cost estimates reflect statewide averages. FEMA data is approximate — verify at fema.gov. Always confirm contractor licensing with Michigan Department of Licensing and Regulatory Affairs (LARA) — Residential Builder License required.
