Michigan Fire Claims represents Michigan business and commercial property owners through fire, flood, and major loss events, managing every part of the claims process to pursue the maximum settlement and get your operations moving again.
A Commercial Loss Moves Fast.
So Does the Insurance Company.
When a fire, flood, or major loss hits a commercial property, the insurance company opens a claim and assigns an adjuster someone working to settle your loss for as little as possible. Most business owners accept that first offer without ever knowing a licensed public adjuster could have fought for a significantly different outcome.
We Are the Advocate Your Insurance Company
Doesn't Want You to Have
Michigan Fire Claims is a licensed public adjusting firm. We work exclusively for you, not the insurance company. From the moment you engage us, our team takes over the documentation, negotiation, and every communication so you can focus on running your business.
What We Handle for You
Step 1: Emergency Response
We mobilize immediately, inspect your commercial property, review your policy, and open your claim with the documentation and structure it needs from the start.
Step 2: Complete Damage Documentation
Our building estimators, contents specialists, and commercial loss consultants document structural damage, equipment, inventory, and the details that are routinely underestimated or missed.
Step 3: Claim Preparation and Presentation
We prepare and present your full commercial claim — including business interruption losses, Proof of Loss, and any specialty coverage items — and represent you through every negotiation and examination.
Step 4: Settlement and Recovery
We fight for the maximum settlement you are entitled to under your policy. You review and approve before anything is finalized. You retain control over your rebuild and restoration decisions.
The Insurance Company Has Professional Help.
Your Business Deserves the Same.
We Work Only for You
The insurance company’s adjuster answers to the insurance company. Every member of our team answers to you and your business.
You Get a Full Team, Not One Person
Licensed public adjusters, building estimators, contents specialists, business interruption analysts, and support staff work your claim as a unit. No single point of failure. No detail left behind.
Business Interruption Is Part of the Claim
Lost revenue, ongoing expenses, and operational downtime are legitimate parts of a commercial claim. We document and present every element so nothing valuable is left off the table.
You Stay in Control
You decide how your property is restored and who does the work. You approve every step before we move forward. Your business, your decisions.
No Financial Risk
Nothing upfront. Our fee comes out of the settlement and only after you get paid. If we don’t recover for you, you owe us nothing.
Over 20 Years in Michigan Commercial Claims
Michigan Fire Claims has been representing business and commercial property owners since 2003 and has served over 1,800 clients across Michigan.
Real Michigan
Businesses. Real
Claims. Real Results.
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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
Every Type of Commercial Loss.
One Dedicated Team.
Commercial Fire
and Smoke
Damage Claims
Fire and smoke damage to a commercial property is complex. Structural loss, equipment, inventory, and tenant improvements all require precise documentation. We handle all of it.
Commercial
Water and Flood
Damage Claims
Water moves through a commercial building in ways that are easy to underestimate and expensive to miss. Our team documents the full scope, visible and concealed, so your claim reflects the real loss.
Business
Interruption Claims
If your operations shut down or slow significantly due to a covered loss, you likely have a business interruption claim. We calculate and present lost income, continuing expenses, and recovery costs as part of your full claim.
Contents and
Equipment Valuation
Commercial contents, specialty equipment, and inventory require detailed, defensible valuation. Our contents specialists document and substantiate every item so the insurance company cannot minimize what was lost.
Denied and
Underpaid Claims
If your insurance company has denied or underpaid your commercial claim, that is not the final answer. We review your policy, challenge the position, and work to recover what your business is owed.
Proof of Loss and
Examination Support
Michigan law requires a Sworn Statement and Proof of Loss within 60 days of the loss date. We prepare this documentation and represent your business through any examination under oath.
Why Michigan Business Owners Trust Michigan Fire Claims
Michigan Fire Claims has been licensed and operating in Michigan since 2003. We are members of the Michigan Association of Public Insurance Adjusters, the National Association of Public Insurance Adjusters, and carry BBB accreditation through both our Auburn Hills and Grand Rapids offices.
By the Numbers
In business since 2003. Over 1,800 Michigan clients served. Two Michigan office locations for fast statewide response.