Public adjusters in Macomb Township, Michigan.
Nearly half of Macomb Township's homes were built in 2000 or later, about a third have four or more bedrooms, and the median owner-occupied home is valued at about $387,000. Larger houses hold more rooms, more finishes and more belongings, and that is where a fire or water estimate most often comes in short.
AdjustFair works only for the policyholder, from our Ferndale office, about 17 miles southwest of the 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.
In a township of newer, larger homes, three kinds of loss do the most damage, and each one gets underpaid in its own way.
- House fires and contents. On August 9, 2025 fire destroyed a two-story home on Balmoral Drive near 21 Mile and Heydenreich, and crews spent hours on it. On a total or near-total loss in a house this size, the contents list is where the most money goes missing, because a quick inventory of a four-bedroom home with a full garage misses whole rooms and closets. Rebuild pricing also tends to slide from the finishes that were there to builder-grade stand-ins.
- Burst pipes and overflows across finished floors. New single-family plans of roughly 1,850 to 3,100 square feet are still going up in the township, and in a two-story house that size a failed supply line, a water heater, or an upstairs tub, toilet or sink that overflows can run through two finished floors and into a finished lower level before anyone finds it. Water claims are decided in the first week, so the drying logs, moisture readings and photos taken before anything is torn out matter as much as the repair estimate.
- Trees through the roof. In August 2010 an EF1 tornado with winds up to 90 mph touched down near 22 Mile and Hayes and ran south to M-59, tearing at the roofs of multiple homes and bringing down trees and power lines. On an impact claim the insurance company often prices shingles and decking and declines to open the ceilings below, where cracked trusses and racked framing sit. A contractor's or engineer's written findings usually decide what goes in the estimate.
An offer of $79,612 on a loss that appraised at $523,331.
A second-floor supply line failed and the water went down through the house. Documented floor by floor, and resolved at appraisal once the gap proved too wide to negotiate.
Questions we get here.
My Macomb Township home is only a few years old. Why would the estimate come in short?
Newer does not mean standard. Upgraded flooring, cabinetry, tile and fixtures get priced as the base builder package, and the contents of a large home get counted from a quick walk-through. Keep the builder's options sheet and your purchase records if you have them, because they show what was actually installed and are some of the strongest proof on a newer home.
A tree came down on our house in Macomb Township. What should we do first?
Get everyone safe, get the tree off and the opening covered, and photograph everything before and after. Keep the tree service and tarp receipts. Then make sure someone looks inside the attic and the ceilings, not just at the shingles, because impact damage to trusses and framing is what most often gets left out of the first estimate.
How far is your office from Macomb Township?
About 17 miles from our Ferndale office, which keeps the township well inside the area we cover. Call the number on this page and you will reach someone who can tell you what to do first, what to keep, and when an adjuster can be at the house to see the damage for themselves.
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