Claims We Handle in Michigan

The bigger the loss, the more there is to get right.

Fire, large water loss, commercial, and major property damage claims carry more coverages and more room for something to be missed or minimized. That complexity is exactly why we specialize here. We are public adjusters, and we work for the property owner.

What a serious claim contains

A serious claim is never one claim.

A fire loss is not one claim. It is a dwelling claim, a contents claim, a smoke and odor claim, and an additional living expenses claim, all filed under one claim number, plus whatever else the policy happens to carry, such as increased dwelling, inflation guard, or code upgrade coverage. A large water loss carries structure, contents, and mold remediation, and usually a separate fight over what caused it. A commercial loss adds business interruption and extra expense on top of everything a homeowner would file.

Every one of those parts has its own limit, its own proof, and its own deadline. They are not hidden. They are just not written down, and what is not written down does not get paid.

Claim file

One fire loss

Filed under one claim number

parts to prove

The house
Dwelling coverage. Repair or rebuild, to today’s standards.
Other structures
The garage, the fence, the shed. A separate limit.
Contents
Everything inside, listed and priced item by item.
Additional living expenses
Where you live while it is repaired, and what that costs.
Smoke and odor
Every room it reached, including the ones that look fine.
Other policy items
Code upgrade, inflation guard, increased dwelling, when your policy carries them.

By loss type

Four kinds of loss. One way of working them.

01 · Property & Home

Fire & Smoke Damage

Structure, smoke, contents and living expenses. Fire is one of the most complex losses there are, and we document every piece.

Smoke & soot|Structure & rebuild|Contents|Firefighting water|Total loss

Fire & Smoke Damage

Almost always worth a closer look. What burned is rarely the whole loss.

02 · Property & Home

Large Water Loss

Burst and frozen pipes, upstairs overflows, failed water heaters, and the damage behind the walls that nobody opened up to find.

Burst & frozen pipes|Overflows & fill-ups|Hidden moisture|Contents & restoration|Mold remediation

Large Water Loss

Pipes that let go and tubs that ran over upstairs. Serious water losses, not a minor leak.

03 · Business

Commercial & Business Claims

Property, equipment, inventory, and business interruption. Every day of delay costs money. We get you back to operating.

Building & structure|Equipment & inventory|Business interruption|Extra expense|Period of restoration

Commercial & Business Claims

The building, and the income the business lost while it could not operate.

04 · Property & Home

Major Property Damage

A tree through the roof, a vehicle into the structure, a sudden collapse. When something serious happens fast, we step in.

Tree & falling object|Vehicle impact|Tornado|Roof & structural collapse|Explosion

Major Property Damage

Sudden impact to a home or building. The event is obvious, the damage is not.

Every one of these is a file we have actually worked.

See how these claims get documented

Before You Start

We'll tell you straight whether we can help.

Some claims require a public adjuster. Some do not, and we will tell you which one yours is before we ask you to sign anything.

How large does a loss have to be?

There is no fixed line, but we work on serious losses. Fire, large water damage, commercial property, and major structural damage are where the extra documentation changes the outcome. A small, straightforward claim usually does not need us, and we will say so.

Are your adjusters licensed?

Yes. In Michigan a public adjuster license is held by the individual adjuster and not by the firm, so there is no company license number to look up. Our adjusters are licensed, and the firm is regulated by the Michigan Department of Insurance and Financial Services.

Can you take over a claim that is already open?

Yes. Most of the claims we take are already open, and some have already been paid something. We look at where the file stands, what has been documented, and what has not, and we tell you what we think is still on the table.

What happens after I ask for a claim review?

You tell us what happened. We read the policy, look at the file and at what has been documented so far, and then tell you plainly where the claim stands and whether we think we can add to it. If we take it on, the agreement is in writing before any work begins. If we cannot help, we say so.

Where in Michigan do you work?

Our office is in Ferndale and we work across Michigan. For serious losses, we travel.

Nothing to sign to find out where you stand.

Any serious loss

Not sure where yours fits? |That's our job.

Fire, water, commercial, or a loss that doesn't fit a category. One call and we'll tell you what your policy actually covers.

Start Your Claim Review

Or call us directly

(855) 975-2020