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Articles in the Insurance Claims Category

Commercial loss insurance claims: Let the experts handle it!
Wednesday, 9 May, 2012 – 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 …

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 …

Fall is here, but is it safe to turn up the heat???
Wednesday, 21 Sep, 2011 – 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 …

Fire Restoration – The right way
Saturday, 20 Aug, 2011 – 10:04 | No Comment

Even a small fire can create big odor issues that are very difficult and expensive to get rid of.   Slowly burning furniture or carpets release a thick, black smoke, containing hundreds of toxic compounds that will cover all exposed surfaces in your house, and enter through crevices in between walls and attic and basement spaces.  Your walls, floors, furniture, window treatments will be covered with a black, smelly, acidic mass, which, if not promptly …

Fire smell be gone!
Monday, 1 Aug, 2011 – 9:43 | No Comment

So you had a small kitchen fire, that you were able to put out without much structural damage.  While your house smells like the Inferno, you console yourself with the fact that things were not worse.  Cleaning should be easy you think.  You’ll replace the kitchen cabinet above the stove, air the house out, refresh the paint, and life we’ll be back to normal.  As your deductible is high, and the last thing you need …

Twelve hundred customers!
Friday, 22 Jul, 2011 – 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…
Monday, 30 May, 2011 – 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 …

When Disaster Strikes…
Tuesday, 15 Mar, 2011 – 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 …

Fires and the holiday season
Saturday, 18 Dec, 2010 – 11:58 | No Comment

For too many Michigan families, the holiday season brings not just the usual joys and happy family times, but also an increased risk of fires.
While no one likes to think of fires other than the one in the fireplace, believe us, it happens; we see it every day. Loosing all you’ve got in a fire is not an easy thing for anyone, but eventually life goes on and thing get better. You buy new things, …

Proofs of Loss
Friday, 29 Oct, 2010 – 7:20 | No Comment

A reminder to all insureds that a Proof of Loss or Sworn Statement in Proofs of  Loss are generally filed within sixty days from date of loss or upon request from the insurance company.  These are complicated documents and insureds should look to a public adjuster or adjuster for the assured for help in understanding how to file these documents.  These are documents that need to be notorized by a notary for them to be …