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 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Unpublished.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Unpublished.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Unpublished.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Unpublished.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Unpublished.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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Michigan Coverage Decisions, Issue 154

Owens v Auto-Owners Insurance Co.

Unpublished, Decided August 11, 2011, Michigan Court of Appeals No. 297590.

Plaintiff sought uninsured motorist benefits under his mother’s insurance policy with Auto-Owners. Plaintiff was struck while a pedestrian. The Auto-Owners policy provided coverage for resident relatives who do not own an automobile. Plaintiff took the position that he did
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Michigan Coverage Decisions, Issue 153

Johnson v. Farm Bureau Ins. Co.

Unpublished. Decided July 28, 2011 Michigan Court of Appeals Docket No. 298048.

On July 23, 2008, a fire destroyed an outbuilding on plaintiff’s property. Farm Bureau insured plaintiff’s property under a Country Estate policy. At issue was whether fence building materials stored in the outbuilding were covered under the
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Michigan Coverage Decisions, Issue 152

Ile v Foremost Insurance Company

Published. Michigan Supreme Court, Docket No. 143627. July 14, 2011. Plaintiff decedent was killed while riding his motorcycle. He had obtained insurance coverage on the motorcycle from foremost. The coverage included a combined uninsured/underinsured motorist coverage which purported to have limits of $20,000/$40,000, the mandatory minimum automobile liability limits in Michigan. The
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Michigan Coverage Decisions, Issue 151

Auto Club v Ramos

Unpublished. Decided June 30, 2100. Court of Appeals Docket No. 297397.

Plaintiff Auto Club initiated this declaratory action asking the court to find that it did not provide coverage under a homeowners policy to Ricardo. Ricardo was being sued by his niece, Ramos, for an alleged sexual assault during a massage. In
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Michigan Coverage Decisions, Issue 150

Auto-Owners v Keizer Morris

Unpublished, June 28, 2011. Court of Appeals Docket No.  297657.

Plaintiff insurer brought this declaratory action for a ruling that it had no duty to defend or indemnify Defendant in a products liability action. Plaintiff issued a CGL policy with an exclusion for products liability. The defendant insured asserted that the
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