Ohio Homeowners
Call Us
Before They
Call Their Insurance
Company. Here's Why.

Ohio Fire Claims handles every part of your residential water damage claim, so you can stop wrestling with paperwork and start rebuilding your home on your terms.

The moment water damages your home, the clock starts. Your insurance company sends their adjuster. We make sure you have someone in your corner before that conversation ever happens.

Get a Free Residential Claim Review

Most Homeowners Don’t Realize They Have the Right to Their Own Adjuster.

A flooded basement, a burst pipe, a roof leak soaking through the ceiling, water damage claims pull in structural assessments, contents valuations, and policy language most homeowners have never had to work through. Your insurance company has professionals who do this every day. Now you do too.

We Handle the Claim.
You Focus on Your Family.

You wouldn’t face a legal dispute with no representation. Your insurance company sends a trained professional to your claim, someone who handles these negotiations for a living. We make sure the person across the table from them is working for you.

Step 1: Immediate Response
We arrive fast. A licensed public adjuster reviews your policy and walks your property before your insurance company has a chance to set the terms of your claim.

Step 2: Detailed Documentation
Our estimators assess every aspect of the damage, structural, personal property, and hidden losses, and build a claim that accounts for everything your policy covers.

Step 3: Claim Preparation and Presentation
We prepare your complete claim and handle every call, inspection, and negotiation with your insurer, keeping you informed without saddling you with the process.

Step 4: Maximum Settlement
We negotiate for the full settlement your policy allows. You approve every step. You choose your contractor. You stay in control.

What You Should
Know Before Filing
Your Residential Water
Damage Claim

That depends on your situation. What we can tell you is that your insurance company employs professionals trained to manage what they pay out. A public adjuster is licensed to make sure your claim reflects what you’re actually owed under your policy.

Our experience and documentation quality tend to support a more organized process. We know what insurers look for and how to present your claim in a way that moves things forward instead of creating delays.

Nothing upfront. No fees unless you receive a settlement. Our fee is a percentage of what we recover for you, and it’s only paid when you get paid.

Not necessarily. We review existing claims and can re-engage on those that have been underpaid or denied. Reach out and we’ll take a look at where things stand.

We serve the entire state from our Maumee office. If you’re in Ohio and you’ve suffered a water damage loss, we can help.

Ohio Homeowners Have
Trusted Us Since 2003.

In Business Since 2003
Two decades of claims experience behind us. We understand the policies, the pressure, and what it takes to get homeowners what they’re owed.

Over 2,000 Clients Served
Homeowners and business owners have trusted us when their loss was at its biggest and the stakes were highest.

BBB Accredited Since 2025
Recognized by the Better Business Bureau with an A+ accreditation for consistent professionalism and integrity.

Proud NAPIA Member
Licensed and affiliated with the National Association of Public Insurance Adjusters.

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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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    A tremendous weight was lifted off our shoulder knowing we had you preparing and presenting our loss to State Farm. We were able to continue our normal work schedules without all the added pressure. Thank You.

    Mosby and Brenda Clark

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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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    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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    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

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    Before I say anything else, I want to succinctly express the most important sentiment contained in this post, which is that enlisting the services of Michigan Fire Claims may very well be the BEST DECISION I HAVE EVER MADE. But please allow me to provide some context so as to convey precisely why I am compelled to make such a strong statement.

    I recently found myself embroiled in the profoundly unexpected and fully uncharted territory of having to navigate the aftermath of a catastrophic fire that destroyed my home and relegated virtually all my possessions to the ashbin of history. Just like the many individuals and families who have previously experienced such misfortune, my only option was to forge ahead through the devastation and commence the one-day-at-a-time project of putting my life back together. Obviously, a vitally important component of this multi-faceted project is the process of filing the insurance claim. Should you find yourself in this predicament, you should expect to start receiving calls from people identifying themselves as public adjusters. I had never heard of public adjusters before the fire. In fact, of the many friends, family members and work colleagues with whom I’ve discussed my recent tribulations, not A SINGLE one of them had ever heard of public adjusters.

    But this is totally understandable, as there is no reason to know who they are until you need them.

    Public adjusters (who, despite what the name might imply, are not government agents, but wholly private sector entities), in short, are professionals who, equipped with their knowledge of the intricacies and protocols of the insurance claims process, serve as advocates and liaisons on behalf of the insured. Their objective, quite simply, is to maximize the payout for their clients, which is in stark opposition to the objective of insurance companies, which is, of course, to vigorously find any pretext upon which to reduce the payout, all while making the process as painful and abstruse as possible. Public adjusters are the antidote to this unpalatable scenario, and Michigan Fire Claims is absolutely the most reputable firm in this arena that I could ever imagine.

    I think it’s important to address the fact that the method whereby public adjusters, including Michigan Fire Claims, scout for prospective clients may be off-putting for some. On a superficial level, public adjusters are analogous to those in the legal profession who many derisively refer to as “ambulance chasers”. Public adjusters are, essentially, “fire truck chasers”. I received a call from one not even twelve hours after I had just watched in horror as my house was engulfed in flames. This was NOT Michigan Fire Claims. I received a call from another one just a couple days later. This, also, was not Michigan Fire Claims. No, Michigan Fire Claims had the DECENCY to wait for six days before reaching out to me, at which point I was actually ready to comprehend the service they were offering. Even after my initial interaction with them, while I was still on the fence about whether I needed their help, and while I still clung to the delusion that I had the will and wherewithal to combat the insurance company alone, Michigan Fire Claims did NOT importune me; they waited for me to come to them. AND I’M SO GLAD I DID. Over the course of the process, three different individuals participated in handling my case, including the president of the company himself, and at no point after enlisting their services did I ever have to interact directly with the insurance company again. They did all that work for me.

    And here’s the most important thing. Every single member of the Michigan Fire Claims team I encountered along the way was fundamentally DECENT, exceedingly EMPATHETIC to my plight, and unimpeachably COMPETENT in the execution of the mission at hand. After all was said and done, they had extracted virtually the maximum possible payout from the insurance company, and they did so for a VERY fair fee. Michigan Fire Claims is a beacon for those in need.

    Anderson D.D.’s Bargain Jamboree

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    WE WERE LOST WHEN OUR BARN BURNT DOWN. NICK AND HIS STAFF WENT TO WORK RIGHT AWAY AND SETTLED EVERYTHING FOR US WITH THE INSURANCE COMPANY. WHAT A GREAT TEAM OF PEOPLE TO HAVE ON YOUR SIDE.THEY WERE REFERRED TO ME BY A FRIEND WHOSE HOUSE BURNT DOWN. HE SAID THEY WERE THE BEST.HE WAS RIGHT.ALL MY THANKS AND GRATITUDE TO THE STAFF. I WILL ALWAYS REFER MICHIGAN FIRE CLAIMS TO ANYONE I FIND OUT THAT NEEDS HELP THEY ARE THE BEST AND THAT IS A FACT!!! GOD BLESS ALL

    GERALD P OLMS

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    Michigan Fire Claims gave us substantially more than the insurance company wanted to pay us. We were lucky to have them on our side.

    E & N Laroque

    Retirees

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    We were referred to Michigan Fire Claims and will always be thankful for their help in our house fire.

    E & M Smith, North Branch

    Retired

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    Customer Reviews Public AdjusterOn July 31, 2021, at 5:45a, I received a devastating phone call. My carpet store (15,000 sq ft bldg.) was on fire. Within hours, it had been totally demolished. Over the next few days, I would be faced with making decisions on matters with which I have had minimal experience. To describe it as utter chaos would be an understatement. As this incident was covered in the local news, several public adjusters contacted me immediately. Selecting a company that would best serve my needs was one of the most important choices I would have to make. After speaking with Olivia Ruse, a representative from Michigan Fire Claims, we arranged to have a meeting at their offices in Auburn Hills, MI. After a very comprehensive, two-hour meeting, with Nik Kalaj and Ross Poorman (President and VP, respectively), it became very clear to me that working with MI Fire Claims would benefit me greatly. As my building housed various businesses (five total), they explained to me that working with the various insurance companies representing these different individuals would be extremely challenging. This is where their expertise became obvious. I was very impressed with the innumerable details that they were able to address effectively. They were able to give the necessary, comprehensive estimates required by the exacting insurance companies. Together we presented specified and itemized lists to the insurance agents that allowed me to recover maximum benefits . They guided me every step of the way, addressing issues that literally would never have occurred to me. MI Fire Claims delivered on everything they promised. Beyond that, the compassion and support they provided during this unimaginable nightmare was greatly appreciated. A company that is this competent is very rare and I am beyond grateful for their help.

    John Jacob Investments

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    Matt, Ross, and Inventory Team:

    Jerry and I wanted to thank all of you again for the assistance you gave us between the fire and our getting into our new home. Matt, you and Ross gave us reassurance and guidance working our way through this process. Kay, thanks to you for your extra time here trying to make sense of the cleaning inventory concerning what they did and did not do. We realize that you, Matt, made numerous visits to calm me down and give us support when we were overwhelmed with everything going on. We are very grateful. The job everyone did and the function and support of your company was priceless to us!

    Thank you all!

    Jerry and Joyce Gillette

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    The Michigan Fire Claims team was outstanding; allowing my family and I to step away from the day-to-day stresses of dealing directly with the insurance company. They understood our policy and helped us recover everything we were entitled to. They exceeded our expectations, was very honest and the communication was outstanding! Nik and Cori was exceptional and we’re grateful that they found us in our time of need!!! Thank you all for being such amazing people…

    TIMOTHY BROWN

Your Home Is Worth Fighting
For. Let Us Do the Fighting.

Ohio Fire Claims has helped homeowners recover from water damage as part of a firm with more than two decades of experience. A free review costs you nothing and shows you exactly what your claim could be worth.