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Articles tagged with: michigan

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 …

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 …

Adjusters for the assured rates
Saturday, 27 Feb, 2010 – 8:23 | No Comment

Adjusters for the assured are bound by 501.3 (3) which state.
Every adjuster for the assured in the State of Michigan who is not a solicitor shall file with the insurance department the rates of commision for his service.  Said commission shall not exceed 10% in any case and when such rates are filed every adjuster for the assured must adhere to the schedule of rates filed with the department of insurance.