Public adjusters in Rochester Hills, Michigan.
Two in three Rochester Hills homes date from 1970 to 1999, with a median value near $410,000, and the City of Rochester, which we also cover, keeps a Main Street of 1800s buildings. On September 3, 2026, storms downed trees and wires around Rochester. Large homes and old buildings cost more to rebuild than stock estimates allow.
AdjustFair works only for the policyholder, from our Ferndale office, about 14 miles to the south. 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 weigh heaviest on Rochester Hills and Rochester homeowners, and each one tends to come up short in its own place.
- Trees through the roof. In September 2014 an EF-1 tornado with winds up to 90 mph tore through the Fairview Farms subdivision near Brewster and Tienken and damaged about 30 homes, and the September 3, 2026 storms downed multiple trees and wires around Rochester. When a mature tree lands on a house, the insurance company tends to pay for the hole, the decking and the shingles and to leave the ceilings closed, where cracked trusses and racked walls sit. That hidden damage belongs in the estimate, and it only gets there if someone opens up and documents it.
- Fire that reaches the house next door. In November 2020 a fire off Rochester Road north of Hamlin destroyed a two-story home and spread to the one beside it, with losses for the two put near $300,000, and in 2012 a fire at the Oakwood Parks condominiums on Adams Road destroyed eight units. On a large home the contents list is where money disappears, and the neighbor's smoke damage gets written as a cleaning job after it has reached the insulation, the ductwork and every closet.
- Burst pipes and overflows. Most Rochester Hills homes are now more than 25 years old, the age when supply lines, fittings and water heaters start to give out. A split line, or an upstairs tub, toilet or sink that overflows, can run through a ceiling and into a finished basement, and in Rochester's older houses, water that comes up a floor drain because the home's own line collapsed is a fill-up that started in the house and usually gets the full policy, not the lower limit on a sewer back-up. The drying logs, photos and moisture readings from the first week usually decide what gets paid.
Called two days after the fire, and it never needed appraisal.
A kitchen grease fire put smoke through the house. We were engaged two days after the loss, and the scope was settled by negotiation without appraisal.
Questions we get here.
Do you handle older commercial buildings on Main Street in Rochester?
Yes. Several Main Street buildings date to the 1800s, and an older masonry building with original finishes costs more to repair than a modern storefront, which is where estimates fall short. We document the structure, the tenant build-out and the contents separately, and price the repair the way a contractor would have to do it in that building.
A tree came through the roof of my Rochester Hills home. Is the insurance company's estimate the whole story?
Often it is not. A falling tree can crack rafters, rack walls and open drywall seams well away from where it hit, and an estimate written from the roof usually misses that. Get it tarped, photograph everything before cleanup, keep the tree service invoice, and have the ceilings and framing checked before you accept a number.
How soon can an adjuster be in Rochester Hills?
Rochester Hills is about 14 miles north of our Ferndale office, and Rochester is just past it. Call the number on this page and you will reach a person who can tell you what to photograph and keep before anything is torn out, and set a time for an adjuster to walk the property with you.
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