Michigan Insurance Claims – Public Adjusters and Loss Consultants

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

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 damage created by the tornado in Dundee this past week was unimaginable .  We spent several days consulting with city officials and tornado victims on how to file proper claims.  Several homeowners requested claim help.  Our company is doing as much as we can for all the victims involved.  I will update more on this subject on future postings.

Tags: Claim Help, dundee, victims

I have been asked many times what is and why are in insurance companies requesting and exam under oath. An examination under oath is an insurance companies way of attempting to gather information from an insured to not pay their claim.  It is as simple as that.  An insurance company has a right under the policy and will frequently ask for an exam under oath when they want to be difficult.  An insured has the right to be represented during the process and should further explore those options.

Tags: claim, euo, Examination Under Oath, insurance

There have been a lot of questions on what insurance companies cover and policy limitations on flooded basement.  Several calls have been recieved from the Grand Rapids, Saginaw, Bay City areas in regards to water damge in their basements.  Most home insurance policies have endorsements that limit the amount of recovery due to water backup.  When the damage occurs from a broken pipe, the actual dwelling limit on the policy is in full affect.  You should always contact your agent to be aware of the policy language and limitations on your policy.

Tags: basement, Flooded, Grand Rapids, questions, Saginaw

We have been talking to several adjusting firms to have a seminar on how to help fire and water claims for victims in Grand Rapids, Battle Creek, Kalmazoo and surrounding areas.  We are hoping to use our office in Grand Rapids for the presentation.  We should have more info by the end of May.  Please contact us with any questions.

Tags: Claim Help, Fire Claims, Grand Rapids, Kalamazoo

Fire victims with no insurance can find fire help through the Red Cross.  The Red Cross normally provides assistance with housing and vouchers to purchase food and clothing at local stores.   We have made significant contribution to the Red Cross and several shelters throughout our State.  I would encourage any company or individual to donate if they can.  The Red Cross can always use our donations to help at any catastrophy.

Tags: Claim Help, contributions, shelters

The Denby family suffered a fire in Cadillac Michigan and requested help to determine if a land contract was as effective as purchasing through conventional means in replacement of the home they owned that was destroyed by fire.

Under Michigan law, a deed does not need to be recorded to be effective as between the parties to the deed. Evans v Holloway Sand & Gravel, Inc., 106 Mich App 70, 308 NW2d 440 (1981)

Tags: Cadillac, Claim Help, Fire

Help for fire and water claims victims in Norther Michigan will be easier with a possible branch office in the Gaylord or Grayling area this coming summer.  There has been a tremendous need for Public and Private Adjusters by insureds requesting estimates and help after their losses.  I would like to thank Dave Sears in Gaylord for helping James Davis who suffered a fire and was not insured outside of Grayling. Dave provided shelter and money to the family.

Tags: Claim Help, Claims, Fire, Flood, Gaylord, Grayling

Michigan Fire Claims Inc. is a member in good standing with Mapia.  MAPIA stands for Michigan Association of Public Insurance Adjusters.  We have become a leading member in the adjusting and appraisel aspects of first party claims.  Our specialty’s include fire and water claims adjusting and appraising.

Tags: Adjusting, Appraising, Michigan Fire Claims, public