People who have homes on the sandy, eroding shores of Lake Michigan don’t have a lot of protections when it comes to insurance coverage.
Regular homeowners insurance does not cover flooding or any land movement, including erosion of the land beneath a structure.
Banks that give loans to lakefront homes require flood insurance, which could possibly provide some erosion coverage.
The Association of State Floodplain Managers Alan Lulloff says erosion that happens after a storm could be covered.