Michigan Insurance Claims – Public Adjusters and Loss Consultants

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 their sump pumps not being able to keep up or not working adequately to keep the water out.

Unfortunately, many homeowners insurance policies exclude water damages from backed up sewers or drains and sump pumps overflows. As flood cleanup and restoration costs are usually significant, paying out of pocket is not a great way to start the summer.

There are two main things all homeowners should consider to proactively minimize the devastating effects of a flood and to avoid potential financial ruin:

1. Carrying the right type of insurance

Even if your home is not situated in a flood prone area, torrential rain could easily flood your home and basement. It is therefore imperative to understand your policy and add coverage from water damage, if it’s presently excluded.  You have to understand, however, that water damage coverage is not flood insurance. If you live in areas prone to flooding from bodies of water, you may also consider purchasing flood insurance through the National Flood Insurance Program.  Contact your insurance agent for more information.

2. Having the right equipment to deal with flood waters

As basements are usually kept dry by a sump pump system, proper maintenance and regular check ups are really important (contact your plumber!).  If your sump pump is not gravity-driven, it requires electricity to run.  As power outages are common during storms, when you need your pump sump working, make sure you have back up power for it (generator, batteries) in the event of an outage.  Even if your basement is properly outfitted with the right equipment to keep storm waters out, it is still a good idea not to store any valuables where they can get damaged.

We wish everyone going through difficult times because of recent flooding the best of luck!  Also, remember, as the premier public adjuster company in Michigan, we are here to answer any questions you might have about water damage insurance claims and to provide property loss consulting for homeowners and businesses throughout Michigan.

Finally, Happy Memorial Day form everyone at Michigan Fire Claims.

Tags: Claim Help, michigan, Public adjuster, Water Claims, water damage, Water Loss

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 not, as additional coverage is not just expensive, but also has low ceilings on the claim amount.  It’s better to be constantly vigilant in detecting sources of moisture in your home and take preventive measures to avoid indoor humidity, like fixing leaky pipes promptly, maintaining the integrity of your roof, keeping humidity levels below 60%, making sure roof water drains away from your home, cleaning any mold immediately with a solution of bleach and soap, and in rooms prone to condensation, painting with mold inhibiting paint.

At the same time, homeowners should be aware that even though their insurance policies don’t cover mold, depending on its source, mold damage may still be covered. For example, if the mold is the result of an accidentally burst pipe, or of flood waters entering your basement, mold remediation can be covered by regular homeowners insurance or flood insurance. However, if the mold is the result of neglecting to maintain ones home, the chances for a successful claim are considerable reduced.

Before filing a claim for mold damage, it’s important to review the language of the insurance policy for mold exclusions and also file the claim accurately.  When in doubt, ask for professional help.  It always pays!

Any questions???  We’re glad to hear form you!
Michigan Fire Claims

Tags: basement water damage, mold claims, Public adjuster, water damage