Michigan Insurance Claims – Public Adjusters and Loss Consultants

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 their sump pumps not being able to keep up or not working adequately to keep the water out.

Unfortunately, many homeowners insurance policies exclude water damages from backed up sewers or drains and sump pumps overflows. As flood cleanup and restoration costs are usually significant, paying out of pocket is not a great way to start the summer.

There are two main things all homeowners should consider to proactively minimize the devastating effects of a flood and to avoid potential financial ruin:

1. Carrying the right type of insurance

Even if your home is not situated in a flood prone area, torrential rain could easily flood your home and basement. It is therefore imperative to understand your policy and add coverage from water damage, if it’s presently excluded.  You have to understand, however, that water damage coverage is not flood insurance. If you live in areas prone to flooding from bodies of water, you may also consider purchasing flood insurance through the National Flood Insurance Program.  Contact your insurance agent for more information.

2. Having the right equipment to deal with flood waters

As basements are usually kept dry by a sump pump system, proper maintenance and regular check ups are really important (contact your plumber!).  If your sump pump is not gravity-driven, it requires electricity to run.  As power outages are common during storms, when you need your pump sump working, make sure you have back up power for it (generator, batteries) in the event of an outage.  Even if your basement is properly outfitted with the right equipment to keep storm waters out, it is still a good idea not to store any valuables where they can get damaged.

We wish everyone going through difficult times because of recent flooding the best of luck!  Also, remember, as the premier public adjuster company in Michigan, we are here to answer any questions you might have about water damage insurance claims and to provide property loss consulting for homeowners and businesses throughout Michigan.

Finally, Happy Memorial Day form everyone at Michigan Fire Claims.

Tags: Claim Help, michigan, Public adjuster, Water Claims, water damage, Water Loss

While usually harmless, household mold can also be very toxic and has been associated with a wide range of health conditions, from asthmatic symptoms and allergies to fibromyalgia, cancer and even death.

Mold toxicity, expensive mold remediation, and also the fact that most insurance companies usually don’t cover for it, make mold one of the most feared household hazards.  Some homeowners choose to pay extra for mold insurance “riders” that provide additional coverage. Should you???

Most likely not, as additional coverage is not just expensive, but also has low ceilings on the claim amount.  It’s better to be constantly vigilant in detecting sources of moisture in your home and take preventive measures to avoid indoor humidity, like fixing leaky pipes promptly, maintaining the integrity of your roof, keeping humidity levels below 60%, making sure roof water drains away from your home, cleaning any mold immediately with a solution of bleach and soap, and in rooms prone to condensation, painting with mold inhibiting paint.

At the same time, homeowners should be aware that even though their insurance policies don’t cover mold, depending on its source, mold damage may still be covered. For example, if the mold is the result of an accidentally burst pipe, or of flood waters entering your basement, mold remediation can be covered by regular homeowners insurance or flood insurance. However, if the mold is the result of neglecting to maintain ones home, the chances for a successful claim are considerable reduced.

Before filing a claim for mold damage, it’s important to review the language of the insurance policy for mold exclusions and also file the claim accurately.  When in doubt, ask for professional help.  It always pays!

Any questions???  We’re glad to hear form you!
Michigan Fire Claims

Tags: basement water damage, mold claims, Public adjuster, water damage

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 mildew – most homeowners will often, mistakenly, call them both flood damage. It may not be a problem if they actually carry flood insurance. But usually, especially if the property is not situated in a flood area, they do not. So when they contacted their respective insurance companies to report the damages, the person at the other end, informed them that, since their policy does not include flood coverage, the insurance company will not pay for water damages.

That shouldn’t be the end of it. It wasn’t for the homeowners our public adjusters worked with. In over a dozen such cases, we properly documented the water damage, submitted them as water overflow claims, and were able to get settlements to cover the cost of repairs and lost possessions.

At Michigan Fire Claims, happy endings is what we strive for everyday!

Tags: flood insurance, michigan, Public adjuster, Water Claims, water damage, Water Loss

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

More cold days ahead for Michigan, with temperatures dipping into the low teens. For many home or business owners, with water pipes in unheated areas, like crawl spaces, attics or garages, chances are they will have to deal with some frozen pipes. As things start to thaw (soon, I hope!), that spells trouble. Flooding from broken pipes could cause a great deal of damage to residential or commercial properties.

Water damage, especially if not promptly attended to, is very costly to repair. So here are some things to be aware of, to avoid flooding from broken pipes:
- if water doesn’t turn on, your pipes could be frozen; turn off the main valve and call your plumber immediately.
- if you have outdoor pipes, cover them with insulation; inside, make sure all areas of your home are kept warm; open cabinet doors to let warm air in.
- if you suspect a frozen pipe, until things start to thaw, it may be difficult to determine exactly where the blockage is. As they start to thaw, they may rupture – make sure you know how to turn off the water to avoid potential catastrophe.
- as leaks can turn into rivers in a heartbeat, make sure you do not leave your property unattended if you suspect a frozen pipe
- re-check your property insurance policy. While most cover water damage from broken pipes, you will need to prove that you properly drained exterior plumbing lines, and maintained adequate temperature inside.

Have questions? Need help? We’d love to hear from you!

Tags: flooding, protecting, public, Water Claims, water damage, Water Loss

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

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

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

Insurance companies are reporting more water losses in Grand Rapids and Detroit then in previous years.  Licensed Public adjusters at Michigan Fire Claims Inc. have had great success in dealing with insurance companies in water claims on behalf on insureds.  We look forward to consulting and advising any insured on proper steps to take in mitigating and managing their claims.

Tags: Detroit, Grand Rapids, Michigan Fire Claims, Water Loss

Everyone here at Michigan Fire Claims Inc. would like to wish all our affiliates and vendors in Grand Rapids, Saginaw, Detroit, Grayling and throughout the rest of the state, a Happy New Year!

Tags: Detroit, Fire, Grand Rapids, Grayling, Saginaw