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 169

Oak Creek Apts, LLC v. Garcia

Unpublished. Decided March 21, 2013 Michigan Court of Appeals Docket No. 308256.

The plaintiff hired the defendant to repair the roof on one of its buildings. Part of the parties’ contract required the defendant to secure the building so that water could not infiltrate while the repairs were being
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Michigan Coverage Decisions, Issue 168

Westfield Ins. Co.. v. D&G DollarZone

Unpublished. Decided February 28, 2013 Michigan Court of Appeals Docket No. 306408.

The defendant sold cosmetic contact lenses to the underlying plaintiff, who had a severe reaction which resulted in serious injuries, including permanent impairment of her vision. She filed a lawsuit against the defendant, and the plaintiff defended
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Michigan Coverage Decisions, Issue 167

Washington v. Allstate Property & Cas Ins Co

Unpublished. Decided January 17, 2013 Michigan Court of Appeals Docket No. 305473.

The plaintiff contacted the defendant directly to purchase a policy to cover rental premises he owned. After completing the application process and paying the premium, the defendant erroneously issued a homeowners policy to the plaintiff
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Michigan Coverage Decisions, Issue 166

Fremont Ins. Co. v. Izenbaard

Unpublished. Decided November 18, 2012 Michigan Court of Appeals Docket No. 300825.

The underlying plaintiff sued the defendant for injuries caused in an accident involving an all-terrain vehicle, which the defendant was driving on vacant land adjacent to the insured premises. The adjoining property was not owned by the defendant
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Michigan Coverage Decisions, Issue 165

Heaton v Pristine Home Builders, LLC

Unpublished. Decided October 25, 2012 Michigan Court of Appeals Docket No. 305305.

The plaintiffs filed suit related to damages arising from the construction of their home, and named the defendant and several other contractors. The case proceeded to trial and the plaintiffs recovered judgments against the defendants for their
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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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