As a service to its clients, Kallas & Henk publishes Michigan Coverage Decisions. This publication summarizes and analyzes every appellate decision in Michigan addressing or impacting property and casualty insurance.

The ten most recent issues are listed on this page. To search the full database of our Michigan Coverage Decisions Issues by Topic, Keyword, or Issue Number use the search form to the left.

Recent Cases

Michigan Coverage Decisions, Issue 164

Amerisure Ins. Co. v. Debruyn Produce Co.

Published. Decided October 16, 2012 Michigan Court of Appeals Docket No. 307128.

The defendant’s controller embezzled funds by writing unauthorized payroll checks to herself in addition to her salary. When it was discovered, the defendant filed a claim under its employee dishonesty coverage. That policy applies to losses
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Michigan Coverage Decisions, Issue 163

Tooling, Manufacturing, and Technologies Assn. v. Hartford Fire Ins. Co.

Published. Decided September 11, 2012 US 6th Circuit Court of Appeals Docket No. 10-2480.

The plaintiff obtained a fidelity policy from the insurer, which covers losses incurred directly due to employee theft. A short time after the policy was issued, one of the plaintiff’s employees
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Michigan Coverage Decisions, Issue 162

Gifford v. MHA Ins. Co.

Unpublished. Decided July 5, 2012 Michigan Court of Appeals Docket No. 301759.

After back surgery, the plaintiff suffered complications and attempted to contact the surgeon for direction on how to address those complications. The surgeon did not respond to the plaintiff’s attempts and, the plaintiff became disabled. He filed the
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Michigan Coverage Decisions, Issue 161

Huntington National Bank v. First American Title Ins. Co.

Unpublished. Decided May 24, 2012 Michigan Court of Appeals Docket No. 303496.

The plaintiff held a mortgage on a parcel of property for which the defendant had issued a title insurance policy. In the underlying lawsuit, two lien holders sought foreclosure of construction liens in the
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Michigan Coverage Decisions, Issue 160

Titan Ins. Co. v Auto-Owners Ins. Co.

Unpublished. Decided March 13, 2012 Michigan Court of Appeals Docket No. 302191.

The plaintiff issued an auto policy to the defendant-wife based on an application she submitted through her agent. The agent, however, did not give the defendant-wife the complete application, and her husband was not listed as
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Michigan Coverage Decisions, Issue 159

Pearson v Flood Professionals, Inc.

Unpublished. Decided January 24, 2012 Michigan Court of Appeals Docket No. 298359.

The plaintiff incurred damages due to a water leak that caused the furnace of her vacation home to stop working. She submitted several proofs of loss, each of which the defendant-insurer rejected as insufficient, claiming that the amount
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Michigan Coverage Decisions, Issue 158

Looking Good Lawns, LLC v. Secura Ins. Co.

Unpublished. Decided January 10, 2012 Michigan Court of Appeals Docket No. 301805.

The plaintiff, a lawn care company, erroneously applied an herbicide to the lawns of its customers, resulting in damages to those lawns. As a result of the misapplication of the herbicide, the plaintiff had to
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Michigan Coverage Decisions, Issue 157

Ruzak v. USAA Ins. Agency, Inc.

Unpublished. Decided December 1, 2011 Michigan Court of Appeals Docket No. 288053.

The plaintiff and her husband had insured vehicles with the defendant for over 40 years, and in the various states in which they resided over those years. After the plaintiff and her husband moved to Michigan, they
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Michigan Coverage Decisions, Issue 156

Simpson v. Memberselect Ins. Co.

Unpublished. Decided November 22, 2011 Michigan Court of Appeals Docket No. 299658.

The plaintiff applied for homeowners insurance, but paid the initial premium with a check drawn on an account containing insufficient funds. The plaintiff claimed that she intended to deposit sufficient funds after writing the check, but was told
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Michigan Coverage Decisions, Issue 155

Walgreen Co. v. RDC Enterprises, LLC

Unpublished. Decided August 23, 2011 Michigan Court of Appeals Docket No. 293608.

An employee of a sub-contractor installing light fixtures at one of the plaintiff’s locations was injured in a fall from scaffolding designed by the plaintiff. The employee’s estate filed the underlying action against several parties, including Walgreen
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