Public adjusters in Chesterfield Township, Michigan.
Chesterfield Township runs from canal and lakefront homes on Anchor Bay to newer subdivisions inland, where the median home was built around 1995. On July 4, 2024 a fire the chief tied mostly to fireworks destroyed a Fairwood Drive house and damaged part of the one next door. Bigger houses mean more to count.
AdjustFair works only for the policyholder, from our Ferndale office, about 23 miles southwest of Chesterfield Township. 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 Chesterfield Township, and each one has a familiar place where the estimate falls short.
- House fires in newer subdivisions. The Fairwood Drive fire reached the house next door, and on November 29, 2025 a fire on Hagen Road near Scheuer, fed by exploding propane tanks, heavily damaged a two-story home and appeared to destroy its garage and two vehicles. On a loss like that the gap usually sits in the contents, which a family is left to list from memory, and in the garage and everything stored in it. A neighboring house that took heat and smoke needs its own full inspection, not a quick look at the side that faced the flames.
- Gas explosions. On May 26, 2023 an excavator working in a yard at the Carriage Way mobile home park ruptured an underground gas line, and the explosion and fire destroyed a home and everything in it while the homes nearby were evacuated. When a contractor or utility causes the loss, more than one policy can be in play, and the owner's own claim still has to be documented and pursued in full instead of waiting on the other side. Cracked windows, ceilings and foundations nearby are easy to miss on a first pass.
- Burst pipes in lake, canal and subdivision homes. Lakefront houses on the bay are often newer and large, and when the January 2026 cold snap broke water mains across Metro Detroit, the same cold put supply lines in garages and exterior walls at risk. One split line or an upstairs toilet that overflows can soak several rooms and a finished lower level before anyone notices, and the insurance company may argue long-term leakage instead of a sudden break, so the plumber's written cause and the first week's drying logs, photos and moisture readings matter. Water that comes up a basement floor drain because the home's own line broke is a fill-up that started in the house and usually gets the full policy, not the lower limit on a back-up from an overrun public sewer.
The contents were priced as cleanable. Appraisal called them a total loss.
Water backed up into a Sterling Heights home and stood across the lower floor. The first offer treated what it had touched as cleanable. Appraisal disagreed.
Questions we get here.
A contractor hit a gas line near our Chesterfield Township home. Who pays for the damage?
Your own homeowners policy is usually the first place to file, even when someone else caused it, because fire and explosion are normally covered. The contractor's or utility's insurance may also be responsible, and your insurance company can pursue them later. Photograph everything, keep the utility's incident number, and do not sign a release from the other side before your own claim is valued.
Our Chesterfield Township house was built in the 1990s or later. Why would the estimate come in low?
Usually because of what gets left out, not the prices. Newer houses here are often larger, with more finished space, more fixtures and more built-ins, and estimates tend to collapse a big room into a few lines or the cheapest repair that will pass. The contents of a family home run to thousands of items. We document the house as built and price every part of the repair.
How soon can an adjuster get to Chesterfield Township?
Chesterfield Township is about 23 miles from our Ferndale office, and we cover all of it, from the canal and lakefront homes on Anchor Bay to the subdivisions inland. Call the number on this page and someone will tell you what to photograph and protect first, and set a time for an adjuster to walk the property with you.
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