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Articles in the Fire Damage Category

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, …

Fire Estimates
Monday, 23 Aug, 2010 – 6:52 | No Comment

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 …

Protecting your Property
Saturday, 27 Mar, 2010 – 8:45 | No Comment

After a loss, insureds should make every attempt to secure the property from any additional damage or theft and keep a record of costs.  Many investors and homeowners are unaware that their policies will reimburse them for theses expenses.  There are many examples of individules not protecting there property and insurance companies not wanting to pay for missing items after the fact.

Michigan Sworn Statements in Proof of Loss Fire & Water Claims
Thursday, 4 Feb, 2010 – 11:22 | No Comment

Most insurance companies require insureds to file a Sworn Statements in Proofs of Loss within sixty days of having a fire or flood.  Some insurance companies require that the Proofs are filed when requested by the adjuster.  Always check the policy language to protect oneself from missing this important deadline.