Thu, 8/03/12 – 13:27 | No Comment

More often than you think, policy owners get the second round of bad news (after the actual disaster…) when the insurance company presents their settlement offer. In many cases we worked on, the settlement offers were sometimes up to 70% less than the actual rebuilding costs.
How is this possible? It happens mainly because about 9 out of 10 property losses evaluated by insurance adjusters are estimated less than their fair value, to varying …

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Michigan Fire Claims, Inc. welcomes Public Adjusters Andre Yanish and Gerald Hernandez
Fri, 1/06/12 – 10:48 | No Comment

We are welcoming claims adjuster specialist Andre Yanish and public insurance adjuster Gerald among us. They are incredible people and outstanding professionals with a lot of experience in the public adjuster business. Our company will be stronger and our team better because of them.

See for yourself why we are so excited about our newest members of our public adjuster team.  They will focus on expanding Michigan Fire Claims’ coverage of the Grand Rapids Area and Southwest Michigan.

Nik Kalaj, CEO of Michigan Fire Claims, Inc.


Commercial loss insurance claims: Let the experts handle it!
Wed, 9/05/12 – 6:54 | No Comment

For business owners, dealing with any fire, flooding, storm damage or vandalism, it’s usually a real nightmare.  Even a week or two out of the market can have a huge negative impact and cause serious business loss.  A quick restoration and reimbursement for the business losses suffered may be essential to the business’ very survival.
In the insurance claim process, the burden of proof falls on the business owner. The documentation he/she submits is used in …

A Hot Issue: Dishwashers on Fire
Thu, 5/04/12 – 9:47 | No Comment

Two thirds of home fires start, in one way or another, in the kitchen. As you may safely guess, most of them are directly related to unattended cooking, with ignition of food and cooking equipment as the leading cause of home fires and personal injuries. We’ve all been warned of the dangers of fires from cooking and kitchen appliances like hotplates or grills, and hopefully take the necessary precautions…
But here’s one particular kitchen appliance you …

Avoid Fire! Store your flammables with caution!
Fri, 23/03/12 – 13:51 | No Comment

by Michigan Fire Claims Inc., a Public Adjuster Company, Rochester Hills, MI
Improperly stored flammable substances are at the origin of many devastating home fires, and should be store and handled with the greatest care. Too often we see people’s homes and lives destroyed by fires originating from the gas cans, propane canisters and other containers with flammable substances.
If you’re like most of us here in Michigan, chances are, you have at least one gas can in …

Fire loss caused by negligence… will my insurance policy cover it?
Mon, 5/03/12 – 16:47 | No Comment

Most fires are caused by some sort of human error; therefore, negligence is easily implied.  One could have better supervised the kitchen, the candles, the stove, fix those electric outlets, etc.  The fact is, in most cases, the homeowner bear some responsibility.  Can the property loss claim be denied on grounds of negligence?
Not usually.   Unless the policy owners purposely set the fire (in which case is classified as arson), the fire loss is covered …

Fall is here, but is it safe to turn up the heat???
Wed, 21/09/11 – 8:28 | No Comment

When it comes to preparing for the colder weather, there is one thing you simply can’t neglect – to have your furnace checked for safety.
This relatively simple and generally inexpensive task will prevent unwanted complications, even tragedy.  Not just it’s not fun when your furnace stops working and it’s freezing outside, but, most importantly, servicing your heating system will make your home and family safer, decreasing the chance of serious accidents.
During the cold season, improperly …

Twelve hundred customers!
Fri, 22/07/11 – 8:06 | No Comment

No, not looking for obscure reasons to brag or celebrate  (although I don’t usually object to the later )
Just that, painfully aware of the time and effort we put into a single case, working twelve hundred of them, suddenly seems like a milestone more than worth mentioning. One where we should stop and enjoy the moment, and also reflect on our 8 years existence, with gratitude to everyone who helped make our success …

Dealing with flooding…
Mon, 30/05/11 – 13:52 | No Comment

Over the past weeks,  Michigan’s wettest spring since the ’50s has unleashed major flooding in many areas, including Dearborn, Livonia, Southfield, Troy, Farmington, Detroit, Ann Arbor, Flint, Monroe, and Saginaw. Intense rainfall, damaging winds, large hail and powerful thunderstorms have left many without power and with severe property damages.

While we received reports of fallen trees, wind damage and roof damage, the most significant damages occurred because of flooding, especially basement flooding. Many homeowners found …

Suspecting mold??? You shouldn’t take any chances!
Thu, 19/05/11 – 9:49 | One Comment

While usually harmless, household mold can also be very toxic and has been associated with a wide range of health conditions, from asthmatic symptoms and allergies to fibromyalgia, cancer and even death.
Mold toxicity, expensive mold remediation, and also the fact that most insurance companies usually don’t cover for it, make mold one of the most feared household hazards.  Some homeowners choose to pay extra for mold insurance “riders” that provide additional coverage. Should you???
Most likely …

Flood or Not?
Tue, 19/04/11 – 8:12 | No Comment

For the past few months, we received a large number of inquires for advice about claims related to flood damage. This year was particularly eventful for Michigan, as we had to endure not just frigid temperatures but also a lot of snow. That meant flooded homes and basements, both from ruptured pipes, and from the melting waters.
While they result in the same kind of damage – destroyed floors, moldy walls and furniture, toxic …

When Disaster Strikes…
Tue, 15/03/11 – 6:40 | No Comment

A devastating earthquake, a powerful tsunami, nuclear meltdown. An apocalyptic scenario, and one can’t not feel the pain and fear of the japanese people as they deal with it all. However prepared this nation was for such disasters, that tiny chance of everything going wrong at the same time, materialized. The human and economic losses are of such magnitude that even one of the most advanced countries in the world has a …