Michigan Insurance Claims – Public Adjusters and Loss Consultants

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 hard time mitigating the disaster. We all remember too well – 9/11, Katrina- when we were scared, mournful, and lost. We bounced back, and so will they.

However, right now, they need our help. I’ve seen devastating fires and floods, but always the community jumps in to help those in need. Even across the ocean, let us be their community. Here, at Michigan Fire Claims, we made it our priority to HELP. On that note, please encourage everyone you know to also do the best they can to help. IT MATTERS.

Tags: fire loss, natural disaster loss, Water Loss

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, re-build your house, etc. However, while material things will be replaced, a life cannot!

So, please, as you start baking, decorating, lighting the candles, etc., don’t forget to take the necessary precautions to help protect your family and property. Here’s a video from the US Fire Administration and NIST showing it takes less than a minute for the Christmas tree to catch on fire and engulf the living room. Don’t let it happen to you!

If you have small children in your family, take the time to talk to them again about fire safety and the fire evacuation plan. If the unthinkable happens, having rehearsed these, will dramatically decrease their chance of fire related injuries.

From everyone here at Michigan Fire Claims Inc., we wish everyone a safe and joyous holiday season!

Tags: Fire, Fire Claims, Fire Help, fire insurance claims, holiday, Michigan Fire Claims, smoke, smoke claims

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

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.

Tags: Fire, property, protecting, theft

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.

Tags: Fire Claims, Fire Help, Sworn Statement in Proof of Loss, Water Claims