Home insurance in Michigan is your policy, your deductible, and a claim that lake weather keeps forcing. Snow load, an ice dam, wind off the water, and a burst pipe are not the same loss. What gets paid follows the words on your declarations, not a guess from the house next door. Have that page if you can find it. If you cannot, still say whether this is a renewal, a new policy, or damage already inside.
Freeze and sudden melt show up as stained ceilings, lifted shingles, and wet basement walls. A policy often treats a sudden pipe break differently from water that seeps through a long-open gap, and differently again from flood off a rising shore. Wind and hail sometimes carry their own deductible, apart from the one you remember. Know which deductible you have before you decide the loss is too minor to raise.
Michigan rebuilding waits on weather. A northern roof may sit under snow before anyone can see the deck. A cottage closed for the season can hide a freeze loss until the door opens in spring. Older houses down south bring plaster, tall chimneys, and additions detailed nothing like the original roof. The dwelling limit should track what it takes to rebuild that house, not a number left over from the day you bought it.
Walk the loss before you call if you can do it safely. Note the room and whether water is still moving. Shut the main if a pipe is open and you can reach the valve. Keep soaked goods that show the claim, and photograph hail or lifted shingles from the ground. Name what failed: pipe, roof, window, or flue. Have the town ready.
Do not guess that flood, ice, and wind share one deductible. Read the page, then call and say which loss you are actually looking at. Call the number on this page.