Michigan Insurance Claims – Public Adjusters and Loss Consultants

I was able to give our staff at Michigan Fire Claims Inc a four day Labor Day weekend and it seems that all are enjoying with activities.  We have had a busy month in August and I know this was an especially good break for our team.        Our Grand Rapids office will miss Theresa Payne who has taken a position in Washington DC to be close with family.  Theresa all of us here at Michigan Fire Claims Inc. will miss you.  Good Luck with your new public adjusters license in Washington DC and don’t forget all your friends here in the Detroit and Grand Rapids area.

Tags: Detroit, Fire Claims, Grand Rapids, public adjisters

Summer is coming to an end and kids are ready to return to school.  This is an exciting time for parents and children alike.  There are many families that have been displaced due to fire and water losses throughout  our state.  We at Michigan Fire Claims Inc. would like to wish all our clients with students a safe and happy school year knowing the difficulty they have of relocating or waiting for their lives to get back to normal due to these tragedies.

Tags: Claims, Fire, Flood, School

Fire estimates are a valuble tool in determing broad evidence on homes that are total loss.  Insurance companies generally pay actual cash value on homes and buisnesses when insureds do not want to rebuid and that generally means market value.  The State of Michigan allows the use of fire estimates on a broad evidence rule to determine actual cash value.  A soundly written fire estimate will insure a greater settlement on broad evidence and will also give an insured more money to work with if they have a loss in which there is an interest to repair.

Tags: actual cash value, Fire Estimates, rebuild

Most insureds do not realize that one of the most important documents in filing a property claim is a Sworn Statement in Proof of Loss.  Most policies require that a Proof of Loss be filed within sixty days of a loss or within sixty days of being requested by the insurance company on fire and water claims.  Failure to file may mean denial of your claim.  You should read your policy to make sure.  This stipulation is generally found in the section “Duties to the Insured”

Tags: insurance, Proofs of Loss, sworn statement

In Flint Michigan, police have been searching for a serial killer since May of this year.  Michigan Fire Claims Inc. is very active in the Flint area and would like to post our own warnings to all Flint and Flint Township residence to be careful and report any suspicious individual to law enforcement immediatly.  We hope that this individual will be apprehended and prosecuted to the full extent of the law.  The Michigan State Police will be holding a press conference tomorrow in Flint to give an update on there investigation.

Tags: Flint, Michigan Fire Claims

It is very difficult being a Detroit sports fan.  Having seasons tickets to the Detroit Tigers, Detroit Redwings, Detroit Lions and Detroit Pistons has its perks, but it is very difficult to enjoy the games when these teams struggle.  The Detroit Tigers started the first half of the season on a tear and now are struggling with a mounting lossing streak and injuries.  I wish them well and hope they change things around soon. I can only expect the Detroit Lions to follow in the same path they have been for fifty years, and can see the Detroit Pistons rebuilding.  The only bright spot are the Detroit Redwings and we can count on them  competing for years to come.

Tags: Detroit

The meeting with several public adjusters and insurance adjusters at the Holiday Inn in Grand Rapids went well.  Grand Rapids has been a hub of activity in the adjusting field all summer long.  We have a debate on either having another adjusters meeting in Lansing or bring it back to Grand Rapids at the Holiday Inn.  I will keep everyone posted on dates and times.

Tags: adjusters, Grand Rapids, lansing

Public adjusters and private adjusters are gearing up for a get together this weekend in Detroit for the races.  Several public adjusters from the state will be meeting at the Detroit Yacht Club the morning of the race.  We at Michigan Fire Claims Inc. will be showing up in full force to enjoy this annual race in Detroit.  See everyone there.

Tags: Detroit, private adjusters, public adjusters

Answering the question of why mortgagees appear on any structure payments issued to policyholders on insurance claims in Michigan.  Most homeowner and buisness structure policies protect the mortgagee in what is known as the mortgage clause.  The mortgagee also includes trustee or loss payee.  If the mortgagee is named in the policy, then any the mortgagees interest would be protected and their name would appear on any instruments of payment by the insurance company.  There is also language written in most policies that will pay mortgagee’s an interest even when a claim is denied.  I would advise any policyholder to read the mortgage clause section of their policy verify those specific conditions and terms.

Tags: Insurance Claims in Michigan

The City of Whitmore Lake  has done a great job of cleaning up the hundreds of trees that damaged the area after last weeks wind storms.  Michigan seems to have experienced a lot more severe storms this year than in recent years.  Dundee had a tornado and there were high winds and lots of damage reported in Kalamazoo, Battle Creek, Monroe and even Grand Rapids.  We hope that this will be the last of the strong storms this summer.

Tags: Battle Creek, Grand Rapids, Kalamazoo, Monroe