Grants directory
Fire Insurance Withholding Program
Michigan Department of Insurance and Financial Services · State program
25% of certain fire settlements may be escrowed, subject to statutory caps; this is not a homeowner-paid benefit.
Michigan’s fire insurance withholding law requires participating municipalities to escrow part of some fire insurance settlements after a loss. It is not a homeowner grant, but it can affect what happens to settlement money after a fire loss.
Program details
How it works
The program is implemented through Michigan Insurance Code sections 2227 and 2845. DIFS says participating municipalities may receive a portion of a policyholder’s final settlement to hold in escrow until the structure is repaired, replaced, or demolished, and then the escrow funds are released back to the property owner. If the owner does not repair the structure, the municipality may use the funds to repair, replace, or demolish the damaged structure.
What the money covers
This is a post-loss withholding/escrow arrangement tied to fire insurance settlements, not a renovation grant or rebate.
Amounts and matching
The related DIFS maximum-escrow page says participating municipalities may escrow 25% of fire insurance settlements, subject to statutory caps that change by year.
How to apply
The program page is directed at municipalities and links to the program description and municipality enrollment materials. Homeowners do not apply directly.
Timing and deadlines
The program is ongoing for participating municipalities; homeowners only encounter it if their municipality participates and a covered fire loss occurs.
Full eligibility details
Create a free account to see full eligibility, get matched to your address, and get application help.
Create accountGet matched to programs for your exact address
Create a free Cindera account to see full eligibility details, get programs matched to your exact address, and get grant application help.
Create account