Home modifications are an important benefit available to accident victims under the Michigan No-Fault laws. Accident victims who suffer serious injuries in a motor vehicle accident, motorcycle accident, bicycle accident, or pedestrian accident may be unable to comfortably live in their current home or apartment after leaving the hospital or rehabilitation center because of limitations related to their injuries. Michigan home modifications and accommodations benefits are payments for the remodeling of the residence to make the living situation more accessible and comfortable for the injured person.
What Home Modifications Does the Insurance Company Have to Pay?
The insurance company is required to pay to remodel the residence. Modifications such as handicapped ramps, additional rooms, wider doorways, and accessible bathrooms and showers may need to be installed. These are all covered benefits.
If the person lives in an apartment or other rented premises, the insurance company may have to pay to add ramps and make other changes so that the accident victim can remain in the apartment.
Who Determines Which Home Modifications are Needed ?
Typically, an occupational therapist will evaluate the needs of the injured person. The therapist will personal visit the home to assess the residence and then make recommendations for modifications. The plans will then be given to an architect or builder to price out both the cost of labor and building supplies. The estimate can then be provided to the insurance company adjuster for review.
Many times, the insurance company will require that the the accident victim incur the expense by having the modifications first before payment will be made. Of course, this is not always possible simply because the victim does not have the funds or resources to pay to have the work done. Many insurance companies simply require the claimant to enter into a contract to have the work performed and then they will pay the contractors and builder directly.
Is there a Limit on Michigan Home Modification Payments?
There is no limit on the amount of money that the no-fault insurance company must pay for home modifications. The dollar amount paid for these services depends on the type of disability and the special needs of the injured person. The insurance company can also get its own estimates to confirm that the amount claimed for the project is reasonable.
How do I Submit a Michigan Home Modifications Claim?
Your home modifications claim must be submitted to the insurance adjuster assigned to your claim. To file your claim, you need a prescription from your doctor or an occupational therapist for these modifications and a reasonable plan for the remodeling. Additionally, you may need to enter into a contract with a construction company for the remodeling before you submit your claim.
What is the Time Limit to File a Michigan Home Modifications Claim?
You should submit your home modifications claim after it has been determined by a doctor or occupational therapist that changes to your current residence are necessary for your rehabilitation and recovery. Patients with spinal cord injuries and other conditions that require the use of a wheelchair almost always qualify for these benefits. You should submit your claim once you have entered into an agreement with a contractor. Although not required, some insurance companies will pay for the remodeling during the project and make payments until it is completed.
What Can I do if my Home Modifications Claim is Denied?
If your insurance company refuses to pay your home modifications benefits, your only recourse is to file a lawsuit against your insurance company. You must file the lawsuit within one year of the date the expense was incurred or you will not be able to collect that benefit. The insurance company will ask the judge to dismiss your claim.
Contact a Michigan Home Modifications Claim Lawyer
For more information about your rights regarding Michigan modifications benefits call us now at (800) 606-1717 to speak with one of our expert Michigan No-Fault Insurance Lawyers. You can also submit the Get Help Now form on this page and an attorney will call you shortly to discuss your case further.
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