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Fire coverage denied after loss because payment mailed late and processed after fire

The Plaintiff in Joy Management, dba Mark Twain Properties v. Michigan Basic Property Insurance Ass'n, filed a lawsuit seeking fire damage payments after Michigan Basic denied it benefits.  The plaintiff mailed a check to pay for the coverage on the same day a fire occurred in the covered property.   The payment was made almost two weeks late after the coverage application was filed, and processed by the insurer after the fire.  Michigan Basic maintained that no policy was ever issued, and that in any event, it would not have provided coverage until the day after the check was processed--which was two days after the deadline for receiving payment for coverage.  The Court of Appeals upheld this analysis and affirmed the summary disposition of the plaintiff's claim. 

Thompson O’Neil, P.C.
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Traverse City, Michigan 49684
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