Michigan Fire Claims fights exclusively for business owners and commercial property owners — handling every part of your fire damage claim so you can focus on what matters: getting your business back.
When fire damages your commercial property, the clock starts immediately. Your insurer's adjuster is already protecting their bottom line. We protect yours.
The Insurance Company Is Not Your Partner in This
The adjuster assigned to your claim works for the insurance company, not for you. That means the estimate they hand you is built to protect their payout, not restore your business. Most commercial property owners accept what they’re offered because they don’t know there’s another option. There is.
We Are Your Advocate. Your Expert.
Your Whole Claims Team.
What We Do for Your Commercial Fire Claim
From the moment you call us, we take over the process. You get a dedicated team handling every detail while you focus on your business and your people.
- Emergency response and site inspection — we mobilize quickly to assess all fire and smoke damage before anything is missed or overlooked.
- Full policy review — we read your policy the way it needs to be read, identifying every coverage and entitlement that applies to your loss.
- Damage documentation — our building estimators and contents specialists create a comprehensive, defensible record of everything your business has lost.
- Claim preparation and submission — we prepare your Proof of Loss, meet Michigan’s 60-day deadline, and present your claim professionally and completely.
- Negotiation — our licensed public adjusters go head-to-head with the insurance company’s adjusters to fight for the maximum settlement you’re owed.
- Business interruption claims — we document and fight for lost revenue and operating expenses, not just structural damage.
- Settlement review and approval — you see everything before it’s finalized. Nothing moves forward without your say.
A Full Team. Over 20 Years.
One Goal: Getting You What You're Owed.
A Full Team, Not a Single Adjuster
You get licensed public adjusters, building estimators, contents specialists, and dedicated support staff working together on your claim. The insurance company has a team. So do you.
Over 20 Years of Michigan Claims Experience
Michigan Fire Claims has been in business since 2003. We know Michigan policy law, Michigan insurers, and how to prepare claims that hold up under scrutiny.
No Cost Until You Recover
We work on a contingency basis. You pay nothing up front and nothing at all unless we secure a settlement for you. The financial risk stays where it belongs — on us.
Members of MAPIA and NAPIA
We are licensed in Michigan and hold membership in both the Michigan Association of Public Insurance Adjusters and the National Association of Public Insurance Adjusters. Our credentials are transparent and verifiable.
BBB Accredited Since 2006
We have maintained our Better Business Bureau accreditation for over 18 years across our Auburn Hills and Grand Rapids offices.
Documentation That Moves Claims Forward
Our claim packages are thorough, accurate, and professionally presented. Insurance companies process them faster because there is nothing to argue with.
What Michigan
Business Owners Say
After Working With Us
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We wish to thank you for handling our flood with professionalism and care to our home and belongings. Michigan Fire Claims, Inc was able to get us double the offer from the insurance company. Thank you!
Vargel Fili
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We were so happy to have had you recommended to us by a friend who had also experienced a fire. Nik met with us and took the time to explain our policy and the entire claim process. He helped us avoid numerous mistakes that could have been made. Michigan Fire Claims, Inc performance was simply fabulous.
Steve and Bonnie Dexter
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Michigan Fire Claims, Inc was able to do everything they assured me could be done on the loss. We were able to take the settlement, pay off the home and purchase a beautiful home not far from work.
Brett and Cindy Deguise
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Thank you for the work performed on our fire claim. We are happy with the settlement. We will continue to refer you to friends, relatives, and any one we meet with a fire loss.
John Vandoer
How the Commercial Claims Process Works
With Michigan Fire Claims
Step by Step, We Handle It All
You have enough to manage. Here is exactly how we move your commercial fire damage claim from crisis to resolution.
- Call us first. Before you file with the insurance company, call us. The earlier we’re involved, the stronger your claim.
- Free property inspection. We come to your site at no charge, assess all fire and smoke damage, and review your policy.
- Your team is assembled. We assign licensed adjusters, estimators, and specialists to your claim immediately.
- Full damage documentation. Every inch of your property, every piece of equipment, every business interruption loss is cataloged and substantiated.
- Claim submitted on your behalf. We prepare and present your claim professionally, meeting all required deadlines, including Michigan’s 60-day Proof of Loss requirement.
- We negotiate. Our adjusters go to work with the insurance company’s team, pushing for the maximum settlement your policy supports.
- You approve the settlement. You stay in control. Nothing is accepted without your review and agreement.