Public adjusters in Troy, Michigan.
Troy has over 40 million square feet of retail, office and industrial space and a median home value near $420,000. Part of the city drains to the George W. Kuhn system, and in 2013 residents blamed grease in the sewer for raw sewage in more than a dozen basements. Better buildings and finishes cost more to put right.
AdjustFair works only for the policyholder, from our Ferndale office, about 8 miles south of the city. 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.
Serious claims in Troy usually come from one of three places, and each one has a different way of coming in short.
- Office and commercial buildings. Troy's business district runs along Big Beaver Road, and the city counts about 20 million square feet of office and engineering space. A failed sprinkler line or supply riser on an upper floor can run down through several tenant spaces, and the first estimate often covers the suite where it started and the finishes in plain view, not the ceilings, walls and systems below.
- Sewage and storm water below grade. Part of Troy drains to the George W. Kuhn system, the combined sewer network for southeast Oakland County, and residents near Livernois and Square Lake told the city storm water surrounded their homes in 2019 and again in August 2023. When sewage comes up a floor drain, payment is often capped at the backup limit before anyone establishes whether a failure in the home's own drain line was part of it.
- Higher-value homes and their contents. Troy homes carry a median value of about $420,000, and about a third of them went up in the 1970s. Estimates on these houses tend to swap custom cabinetry, hardwood and stone for builder-grade equivalents, and the contents of a large home get counted by the room instead of by the item.
An offer of $11,630 on a commercial water loss that settled at $113,600.
Water through a Royal Oak office. The scope on the table stopped well short of the building. We itemized it, backed the materials with lab reports, and settled in three months.
Questions we get here.
Raw sewage came up in my Troy basement. Is the backup limit all I can get?
Not always. Backup coverage is usually an endorsement with its own limit, but how the policy responds depends on where the water came from, and the cause in Troy is not always the storm. Keep the plumber's or city's findings, photograph everything before removal, and have the policy read before you accept the limit as final.
Do you handle office and commercial buildings on Big Beaver?
Yes, for the physical damage to the building and its contents. We document the affected floors and tenant spaces, the building systems and the finishes, price the work the way a commercial contractor would have to perform it, and present that to the insurance company with the support behind each line.
How soon can an adjuster get to a Troy home or building?
Troy is about 8 miles north of our Ferndale office, so it is well within our regular area. Call the number on this page and you will reach someone who can walk you through the first steps and arrange a time for an adjuster to look at the damage in person.
Nearby
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