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 131

Smith v. MEEMIC Ins. Co.

Decided September 10, 2009 Michigan Court of Appeals Docket No. 286140.

Plaintiff was injured in an auto accident with an uninsured driver, Gonzales. Plaintiff claimed uninsured motorist benefits from defendant. Plaintiff informed defendant that she was proceeding to obtain a default judgment against Gonzales and that she would be interested
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Michigan Coverage Decisions, Issue 130

Firstbank Corp. v. Wolverine Mut. Ins. Co.

Unpublished. Decided August 13, 2009 Michigan Court of Appeals Docket No. 285850.

A fire partially damaged a residence owned by the Hillikers and subject to a $140,000 mortgage held by Plaintiff. The home was insured by defendant and the declarations page identified the Hillikers as the “named insureds”
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Michigan Coverage Decisions, Issue 129

Auto-Owners Ins. Co. v. Keizer-Morris, Inc.

Published. Decided June 25, 2009 Michigan Court of Appeals Docket No. 284753. While performing construction activities, Appellant was injured by an equipment explosion. Defendant manufactured and sold the equipment to appellant’s employer. Appellant filed suit against defendant for breach of warranty and negligence. Defendant attempted to turn its defense over to its insurer,
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Michigan Coverage Decisions, Issue 128

Auto-Owners Ins. Co. v. Martin

Published. Decided June 16, 2009 Michigan Court of Appeals Docket No. 281482. Martin was driving a vehicle with the permission of the owner, Grand Greenville, a used car dealership, when he was involved in an accident with Mapes. Martin was interested in purchasing the vehicle and the trial court determined that he was driving it
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Michigan Coverage Decisions, Issue 127

Demolition Contractors, Inc v. Westchester Surplus Lines Ins. Co.

Slip Copy. Decided April 3, 2009 United States District Court Western District of Michigan Southern Division Case No. 1:07-cv-112. Plaintiff supplied gravel that was used as a subbase for asphalt roads in a subdivision. The gravel supplied by plaintiff caused the roadways to “pimple up” after they were paved, requiring
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Michigan Coverage Decisions, Issue 126

Vushaj v. Farm Bureau Gen. Ins. Co. of Michigan

Unpublished. Decided March 17, 2009 Michigan Court of Appeals Docket No. 283243. A house owned by Mr. Vushaj was damaged by a fire in January of 2006. No one had resided in the house since January of 2004. Mr. Vushaj would generally spend a night at the house
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Michigan Coverage Decisions, Issue 125

Aladdin’s Carpet Cleaning, Inc. v. Farm Bureau Gen. Ins. Co.

Unpublished. Decided February 26, 2009 Michigan Court of Appeals Docket No. 278605. After Earns’ home was damaged by water, he contacted his homeowner’s insurance company, which retained plaintiff to remediate the water damage. Earns filed a complaint alleging that plaintiff had “failed to use proper methods to
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Michigan Coverage Decisions, Issue 124

Overall Trading, Inc. v. Hastings Mutual Ins. Co.

Unpublished. Decided January 15, 2009 Michigan Court of Appeals Docket No. 278859. This action arose out of plaintiff’s claims for coverage for water damage to personal property in its warehouse that occurred on two separate occasions. The insurance policy requires that plaintiff fully comply with its provisions before filing
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MICHIGAN COVERAGE DECISIONS, Issue 123

Ellis v. Farm Bureau Ins. Co.

Published. Decided December 19, 2008 Michigan Supreme Court Docket No. 136069. In this action for property loss under a homeowners policy, the Supreme Court reversed the Court of Appeals and remanded the case to Wayne County Circuit Court for entry of judgment in favor of the defendant. The Supreme Court held
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MICHIGAN COVERAGE DECISIONS, Issue 122

Frederick v. Farm Bureau Ins.

Unpublished. Decided November 25, 2008 Michigan Court of Appeals Docket No. 280629. Plaintiffs filed a declaratory action against defendant, their homeowners insurance provider, after defendant denied coverage for a lawsuit filed against them by adjacent neighbors, Lundins. The Lundins claimed that plaintiffs attempted to remedy a flooding problem by negligently adding fill dirt and then
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