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Articles in the Public adjuster Category

Michigan Fire Claims, Inc. welcomes Public Adjusters Andre Yanish and Gerald Hernandez
Friday, 1 Jun, 2012 – 10:48 | No Comment

We are welcoming claims adjuster specialist Andre Yanish and public insurance adjuster Gerald among us. They are incredible people and outstanding professionals with a lot of experience in the public adjuster business. Our company will be stronger and our team better because of them.
See for yourself why we are so excited about our newest members of our public adjuster team.  They will focus on expanding Michigan Fire Claims’ coverage of the Grand Rapids Area and Southwest Michigan.
Nik Kalaj, CEO …

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 …

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 …

Flood or Not?
Tuesday, 19 Apr, 2011 – 8:12 | No Comment

For the past few months, we received a large number of inquires for advice about claims related to flood damage. This year was particularly eventful for Michigan, as we had to endure not just frigid temperatures but also a lot of snow. That meant flooded homes and basements, both from ruptured pipes, and from the melting waters.
While they result in the same kind of damage – destroyed floors, moldy walls and furniture, toxic …

Fire Safety during the cold Michigan weather
Monday, 24 Jan, 2011 – 13:14 | No Comment

With the coldest days still ahead of us, fire risk is also on the rise. Our private insurance adjusters at Michigan Fire Claims work on a daily basis with homeowners that had devastating fires. During this time of year, most fires involve portable or space heaters, with electrical fires a close second. Improperly maintained or operated equipment is usually the main cause.
There are few basic precautions to consider, so you and your family stay …

Happy New Year!
Thursday, 30 Dec, 2010 – 8:09 | No Comment

As we get ready to uncork the champagne bottles, here at Michigan Fire Claims, I realize we have a lot to celebrate! Therefore, my thoughts turn gratefully to all of those who make our success possible: our customers, our employees, our partners, and of course, our families.
We had a very strong year, handling over 200 claims for families and businesses all over Michigan. While that in itself meant a lot of …

New Public Adjuster on Board
Friday, 12 Nov, 2010 – 8:14 | No Comment

We at Michigan Fire Claims Inc. would like to welcome Raymond Fair, our newest public adjuster to our staff.  Ray has many years experience working on the insurance side and has recently decide to help buisness owners and homeowners as a public adjuster.  Ray is from the Detroit area and now resides in Southfield.  Ray has a strong desire to help fire victims succeed in preparing and presenting their claim.

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 …