Michigan Man Says Insurance Won’t Cover Bullet Damage

May 6, 2013

A northern Lower Michigan man is upset insurance doesn’t cover the damage done to his mobile home during a neighbor’s shootout with police.

Lance Reed said he’s already spent $1,500 on repairs to five bullet holes at his home in Grawn, and he doesn’t have the money to pay for the necessary fixes.

According to Reed, Auto-Owners Insurance told him bullet damage doesn’t fit into the perils outlined in his policy. They include fire, smoke, flood, windstorm, riot or civil commotion, vandalism or mischief, damage by burglary, aircraft and vehicle damage.

Topics Michigan

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Insurance Journal Magazine May 6, 2013
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Latest Comments

  • May 8, 2013 at 3:45 pm
    Big Mike In CA says:
    My guess is the photo is for illustration purposes only, but as far as the policy's "covered perils" go, I would dare say that a full-blown SHOOTOUT WITH THE POLICE would cons... read more
  • May 6, 2013 at 3:30 pm
    scott says:
    Thats a lot of rust around those holes. I wonder how long ago it happened.
  • May 6, 2013 at 1:48 pm
    Original Bob says:
    Darn good shooting, very tight pattern doesn't look random. This mobile home must be ancient - how long has it been since they manufactured them with a metal skin like this o... read more

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