Property Loss Claims

  Due to an increase in "cosmetic" claims in recent years, many insurance companies have elected to add endorsements to both homeowner and commercial policies excluding coverage on these types of claims. They do this in order to keep the cost of insurance premiums down. An endorsement...

Most homeowners have only a vague idea about what their insurance policy covers. In a way, it makes sense, as no one likes to dwell on unlikely future disasters and the misfortunes they could bring. But, when disaster strikes, this puts many in a precarious...

Insurance claim disputes are fairly common. Most homeowners discover that often insurance companies offer settlements way below what they expected or consider fair. For a small property loss claim, it may not make much sense to go to great lengths to get what you think it’s...

What You Need to Know about Additional Living Expense and Loss of Use Coverage Most homeowner insurance policies provide coverage for additional living expenses (ALE) incurred as the result of a covered peril. ALE coverage reimburses the policyholder for expenses that are above normal household living...

A property loss can turn your life upside down. Losing a home and possessions to a fire, flood and another disaster can be emotionally and financially devastating to any family. Still, right away, you have to invest your time and energy into preparing and filing...

Cold winter temperatures can cause costly property damage.  In Michigan, we get a substantial number of sub-zero days from December through March. In winter, your home is at increased risk damage from frozen pipes, water infiltration through the roof, collapsed roofs or fallen trees due...

What is a Sworn Statement in Proof of Loss A Sworn Statement in Proof of Loss is a document the policyholder may be requested to submit following a property loss claim. The purpose of the Proof of Loss is to obtain a formal statement from the policyholder...

After a property loss due to fire, water damage, storms, or other disasters, the homeowner needs to take the right steps to prepare and file the insurance claim .  Avoid common pitfalls and ensure a successful settlement with these basic rules for insurance claim success: Understand...

Metro Detroit, Michigan - August 11, 2014 Historic rainfall in one of the wettest days in recorded history for Southeast Michigan has resulted in widespread flooding throughout the metro Detroit area. As a consequence of the downpour, the area’s homeowners and businesses suffered substantial property losses,...