Property Loss Claims

Cooking is the leading cause of residential fires. Cooking and related activities are the direct cause of over 90% of kitchen fires and of more than one third of all residential fires. Each year, close to 150,000 fires are attributed to unattended cooking. About 60% of...

Did you know??  Casualty losses or theft losses not covered or reimbursed by your insurance company may be deductible on your federal income tax return. The deduction is taken for the year when the loss occurred, unless is from a federally declared disaster, in which...

Home Inventory After a Loss – Why Work with a Professional Content Estimator Following a property loss, one of the most important factor to your claim success and full financial recovery, is accounting for all the damaged or lost items, and seeking proper reimbursement under your insurance...

An Examination Under Oath, also known as an EUO, is sworn testimony during the claim process at the request of the insurance company, that they employ to gather facts about the property loss and uncover insurance fraud. Held in the presence of a court reporter,...

From flooded basements, to burst pipes and to leaky faucets, water damage is one of the most common reasons people make claims on their home insurance. However, not all types of water damage are covered by a standard homeowners policy. Here’s what’s covered, what’s not...

Any reasonable expenses incurred because you lost the use of your home are covered under the “loss of use” provision of your homeowners policy. Covered expenses may include: temporary housing for your family, emergency replacement of essentials like clothing, medicine, food, rental cars, or gas...

The Michigan Insurance Code mandates that all homeowner's insurance policies issued in Michigan have to provide, at minimum, coverage for the "actual cash value" of the lost property. Initially "actual cash value" or "ACV" was equivalent to market value. This sort of interpretation was later overturned...

For business owners, dealing with any fire, flooding, storm damage or vandalism, it’s usually a real nightmare.  Even a week or two out of the market can have a huge negative impact and cause serious business loss.  A quick restoration and reimbursement for the business...