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Articles Archive for March 2012

Avoid Fire! Store your flammables with caution!
Friday, 23 Mar, 2012 – 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 …

Insurance settlement blues…
Thursday, 8 Mar, 2012 – 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 …

Fire loss caused by negligence… will my insurance policy cover it?
Monday, 5 Mar, 2012 – 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 …