Homeowners Insurance Claims for Collapse Damage
As your policyholder advocate, we clear potential roadblocks with your insurance company to get you the money you are entitled to from your house collapse claim.
A house collapse can happen from sudden natural disasters like a Midwest winter storm or hidden causes that over time compromised the structural integrity of your home, such as insufficient construction methods and draining systems, decay, and infestation. Even heavy collection of rainwater on your rooftop could lead to roof damage and be considered a cause of your house collapse.
Still, your homeowners insurance policy may state exclusions or limitations related to these causes that could limit your coverage if you suffer collapse property damage. It can leave you vulnerable to an unreasonable damage assessment by your insurance company and its adjusters that will not get you what you deserve. That is why our team of public adjusters works only on your behalf, bringing to the situation unmatched professional experience in claim management. Our public adjusters help homeowners like you every day in Michigan, Indiana, Illinois, Minnesota, and the greater Midwest. We are fluent in your policy coverage, properly evaluate and document the extent of property damage, and negotiate your collapse claim for the maximum amount so you and your family can recover sooner.
What To Focus On After Collapse Damage
How much do I really need to know?
How can I minimize the emotional toll on my family?
How can I minimize the effect on my work/career?
How large an advance should I expect?
Is there anyone on my side?
How much time over the next several months will you need to put aside to handle your claim properly? How will all those hours affect your family? Your job?
What is the emotional investment that you will need to commit to the process?
Can you get paid for your time?
Are you entitled to an advance from the insurance company? What is reasonable?
What is your broker or agent’s role? Will his/her role be active or passive? When faced with supporting your position or the insurance company’s, where will he/she stand?
Are you familiar with the forms/practices below and what their request/issuance is telescoping? Request for a Proof of Loss. Reservation of Rights letter. Request for an Examination Under Oath.
What does it mean when the insurance company recommends a preferred vendor? Who is this vendor working for, really?
Contractors may tell you they can do what public adjusters can do. Can they really? What is their background and education in insurance? Are they bonded? In many states, like California, it’s even against the law!
What is the insurance company’s motivation in preparing a reconstruction estimate for you? The policy says it is your responsibility. Why are they willing to do it? How do they benefit?
What is the difference between functional replacement and true replacement? Should you care? Why?
How is actual cash value determined?
Can you do the repairs yourself? Are you entitled to the profit that a contractor would typically charge? Are you entitled to the overhead that a contractor would typically charge?
What are the benefits and the pitfalls of replacing your home vs. selling?
Do you have to replace on the same site? Can you buy or build elsewhere?
Can you collect code coverage allowances if you build elsewhere?
How quickly can you get started rebuilding?
Property Damage Losses Homeowners Claims Recovery Process
How Our Team Helps You
- Evaluate Evaluating your insurance policy to establish the best possible strategy for presenting your claim to the insurer.
- Strategy Valuing, documenting, and substantiating every detail.
- Communication Keeping you informed every step of the way.
- Negotiation Negotiating on your behalf with your insurance company.
- Settlement Ultimately settling the claim for the maximum amount and with less hassle for you.
Homeowners Our Public Adjusters Have Helped
Client References & Testimonials
- 1st Missionary Baptist Church - Inkster, MI
- A. J. Maggio Company - Beloit, IL
- Ab and Tom’s Autocare - Warsaw, IN
- The Abode Furniture Store - Farmington Hills, MI
- Abtrex Industries, Inc. - South Bend, IN
- Ace-Tex Corporation - Detroit, MI
- Adat Shalom Synagogue - Farmington Hills, MI
- Adrian Skatery II - Adrian, MI
- Advanced Environmental - Allentown, PA
- Affordable Housing Inc. - Berkley, MI
- Aft-Mar Industries, Inc. - Schwartz Creek, MI
- Agri Star Meat & Poultry LLC - Postville, IA
- Al Wissam, Inc. - Detroit, MI
- Albert Moore III - Dearborn Heights, MI
- Alice Fish - Grand Rapids, MI
- All American Container - Warren, MI
- Alliant Commercial Realty - Woodland Hills, CA
- Altman Development - Miami, FL
- American Integrated Technologies - Madison Heights, MI
- The American Legion Department of Illinois Post #1080 - Joliet, IL
- American Steel Corp. - Detroit, MI
- Amerihost Inn - Marshall, MI
- AMG Realty Group LLC. - Skokie, IL
- Amtec Precision Products - Elgin, IL
Months after the storm passed, the County was still faced with tremendous burdens related to the insurance coverage issues and FEMA and MEMA eligibility issues. Jackson County hired Adjusters International to provide professional services for disaster assistance, remediation, restoration and recovery efforts....Their expertise with governmental regulations, the complex FEMA process and insurance adjustments resulted in our successful claim for over $2 million in additional FEMA Public Assistance funding specifically; in our successful negotiations with our insurance carrier; and in numerous other increases in the values FEMA and MEMA initially designated for County projects. Jackson County will always be mindful of the help we received from Adjusters International when we needed it most.Alan K. SudduthCounty Administrator - Board of Supervisors, Jackson County, Mississippi
When I experienced a fire in my home, I immediately contacted your insurance company. You both worked and fought very hard to insure that I had received all the monies due to me under my insurance policy and also made sure that my house got put back together, right... I would highly recommend your services... Your service, professionalism and dedication to my claim were more than I could ask for.Alice FishHomeowner, Grand Rapids, MI
For decades, L’Auberge Chez François has been one of the leading restaurants in the metro Washington, D.C., area. Known for its exceptional French cuisine and impressive service, the restaurant is a longtime favorite of Washingtonians celebrating anniversaries, birthdays or other special occasions.
A magnitude 6.8 earthquake, called Nisqually in seismic circles, rocked Seattle, Washington, in 2001 and severely damaged the Starbucks corporate headquarters building.
Super Typhoon Paka, as the storm came to be called, was a 12-hour session of destruction for the island of Guam. Stirring up winds in excess of 200 miles per hour, the tropical cyclone tossed buildings, planes and ships across the island like discarded toys. Among these was the headquarters of Continental Micronesia, a subsidiary of Continental Airlines. The main offices, the marketing buildings and the planes were damaged by the powerful typhoon.