Public adjusters in Allen Park, Michigan.
Allen Park tripled in the 1950s, from about 12,300 people to nearly 37,500, and more than half its homes date from that decade. On May 1, 2019 about 1,000 residents reported 18 inches of water in their basements. Basements, original plumbing and seventy-year-old framing all shape what a claim here should pay.
AdjustFair works only for the policyholder, from our Ferndale office, about 14 miles north of Allen Park. We read the policy, document the full loss, price the repair the way a contractor would have to build it, and put that number in front of the insurance company with the proof behind it.
Where claims here get underpaid.
Three kinds of loss do the most damage in Allen Park, and each one has a familiar way of coming in short.
- Basement water back-ups. Nearly two weeks after the May 1, 2019 rain, ruined belongings still sat on curbs block by block, and the mayor said the piles were becoming a health hazard. When an overrun public sewer pushes water up through the floor drain, the policy usually pays only up to its back-up limit, so the finished basement, the cleanup and an itemized list of everything that went to the curb all need to be right. If the home's own sewer line broke or collapsed instead, the water started in the house, it is a fill-up that usually gets the full policy, and a plumber's written cause usually settles it.
- Trees through the roof. On September 3, 2026 Allen Park and Lincoln Park took the brunt of the storms that crossed Metro Detroit, with toppled trees falling onto roofs, and in April 2026 whole trees were ripped from yards in Lincoln Park and nearby Allen Park. When a mature tree lands on a 1950s house, the insurance company tends to price the shingles, decking and the hole and decline to open the ceilings, where cracked rafters and moved framing sit. Photos of the attic and every room below, taken before the tree is cut away, carry real weight.
- Frozen and burst pipes. In the February 2023 ice storm one Allen Park resident's house dropped to about 53 degrees with the power out, and seven in ten homes here were built in the 1940s and 1950s. A line that freezes in an exterior wall during a long outage can split and run for hours, and the insurance company may argue slow leakage instead of a sudden break. The plumber's written cause and the first week's drying logs, photos and moisture readings decide most of these claims.
We arrived at the inspection with the estimate already written.
A house fire in Detroit. We were engaged before the insurance company inspected, and turned up to that inspection holding a finished itemized estimate.
Questions we get here.
Sewer water came up through my Allen Park floor drain. Is that covered?
It depends on where the water came from and what your policy says. A back-up from an overrun public sewer is usually covered only by a back-up endorsement, often with a much lower limit. A break in your own line is water that started inside the house and usually gets the full policy. Get the plumber's cause in writing before the basement is cleaned out.
A tree from the September 2026 storms hit my Allen Park house. What comes first?
Safety, then photos. Get everyone out if the structure has moved, call DTE about any lines, and photograph the tree, the roof, the attic and every room below before anything is cut or tarped. Keep invoices for tree removal and emergency work. Report the claim promptly, and do not accept a roof-only estimate until the framing has been looked at.
How soon can someone reach Allen Park?
Allen Park is about 14 miles from our Ferndale office, close enough that distance is not what decides when we get there. Call the number on this page and you will reach someone who can explain the next steps and tell you when an adjuster can walk the property with you.
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