Public Adjuster Blog

  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...

When Michigan Fire Claims Inc. first started in 2003, public adjusting was not a profession many people have heard of.  Twelve years later, this fact still holds true. Most of our clients are telling us that before our services were recommended by friends, or before...

Any business has competition, in some areas more than others. Public adjusting falls in the more category. The sector has enjoyed significant growth, especially as insurers get more greedy and the policyholders more informed and aware of the options available. Healthy competition in a fair environment leads to...

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...