Home insurance in Detroit is your policy, your deductible, and the claim a thaw pulls out of an older house. A burst pipe, ice in a valley, and rain through a basement wall are not the same loss. Those differences live on the declarations page. Wind and hail may use another deductible. Say if this is a renewal, a new policy, or water you can see today.
Brick, plaster, a tall chimney, and a later addition are what many of these houses actually are. A dwelling limit can lag what it takes to rebuild that, especially if it still reflects an old purchase. Basement water that seeps in, or that backs up through a drain, is often treated apart from a sudden pipe break. Do not assume the wet floor is covered because a roof leak once was.
Walk only what is safe. Note the floor and whether water is still moving. Shut the main on a burst if the valve will turn. If a claim is the path, leave torn shingles and spoiled plaster, and take photos from a dry place. Keep a simple list of ruined goods. Do not haul everything to the curb before the loss is recorded.
The thaw is when hidden winter damage shows up all at once. A new stain, wet trim, and a ceiling bubble are reasons to call before the next freeze locks water in the wall. Bring the address, what failed, and the deductible you remember. If you are setting up or changing a policy, say what you want the dwelling portion to cover and whether flood is a separate question on this lot.
Do not strip the room, do not climb an icy porch roof, and do not guess that every wet wall shares one deductible. Have the declarations in hand if a drawer still holds them. Call with the policy facts you have. Call the number on this page.