When you file a claim for a fire loss, wind damage, water damage or flood, your insurance company will dispatch an insurance claim representative who will be either an independent adjuster or a staff adjuster. An independent adjuster represents multiple insurance companies, and a staff adjuster works only for one company.
Even though a company adjuster is sent to review your property damage insurance claim, the full responsibility of preparing and proving the claim falls on the insured, not the insurance company. Without assistance from a licensed public adjuster, some coverage may be overlooked, structural and contents damages could be missed, and the claim could be drawn out, all leading to a reduction in the final settlement. The company adjuster is primarily concerned with making sure that the insurance company does not pay any more than they have to.
The public adjusters and staff at Michigan Fire Claims have extensive experience with all types of property losses. Serving the state of Michigan, our fire loss, flood and water damage experts have the ability to immediately mobilize to assist you with your insurance claim. Our professional public adjuster services include:
Fire restoration and smoke & soot clean-up are involved and expensive processes; therefore, an expedited and successful claim process, to get funds quickly and start the cleaning, restoration or construction, is one of the most important factors for your financial recovery after a fire. Read more...
Water damage can have disastrous long-term effects on the integrity of your home and on the health of your family. Water damage claims are expensive and insurance companies can deny them for many reasons. Don’t take any chances with your financial future. Read more...
Getting an accurate appraisal from an independent appraiser is a critical step for the success of your property damage claim. Without an independently done property damage appraisal you may find yourself in the end having to pay out of pocket for many expenses that should have been covered under the insurance claim. Read more...
In Michigan, the date by which the Proof of Loss document is to be filed is typically 60 days from the date of loss or 60 days from the date the insurance company’s adjuster requests that you file it. Missing the deadline can be fatal to your claim, and the accuracy of the information in the Proof of Loss document is critical. Read more...
When the insurance company’s personnel become suspicious about any aspect of your claim, such as the cause of the loss, the amount of the loss, your financial condition as well as many other “red flag” issues, they will investigate even deeper into you and your claim. After a loss, you will be required to file a Sworn Statement in Proof of Loss; that is the road map to your claim. Read more...
By keeping the claim process moving forward, and carefully documenting the details and appraising the damage, Michigan Fire Claims public adjusters are able to successfully settle insurance claims for the maximum amount owed under the policy in the shortest period of time.
Michigan Fire Claims public adjusters will be with you every step of the way to be your advocate, answer all of your questions, and reduce your anxieties and concerns during a very emotional time. In addition to your financial recovery, we can also recommend companies that you will need for mitigation, restoration, and reconstruction, however, we cannot hire such companies.
Michigan Fire Claims, Inc.’s public adjusters, will assist you in any way possible to help you steer clear of all the pitfalls insurance companies are counting on. We work for you! Contact us today to find out more about our public adjuster services.