A house fire is one of the most traumatic events you can experience as a homeowner. When shelter and the livelihood of your family are at stake, our team of public adjusters is there to lift the many burdens of the claim process and advocate for a maximized settlement to get your life back together.
By trusting our proven claim capabilities to protect your interests, you can focus on the safety of your family and the recovery of your home.
Pieces of your life have just been lost in a blaze. Your family is without a home. What does your homeowners insurance policy cover? Do you know where to start? How will you know for sure you will get enough to provide for your family? You have paid your premium, but now it is your responsibility to contact the insurance company and manage your recovery. Whether it is partial or extensive fire damage, the time and stress in dealing with your insurance company can take you away from focusing on your family’s immediate safety and well-being. We are there when you need it the most.
It’s hard to know who to trust when you’re thrown into the chaos of a complex fire damage insurance claim. People stream in from every direction, all pushing to sell you something—restoration firms, board-up companies, building estimators, contractors, landscapers, carpet salesmen—the push goes on. At GMAI, our public adjusters push to actually get you something: every dollar you’re entitled to under the terms of your homeowners insurance policy. We have nearly a century-long reputation as property loss insurance claims experts, specialising in Michigan fire and Illinois fire damage claims, and more throughout the Midwest. Our team knows the process, the policies, the players, the language, and how to interpret and apply your homeowners insurance coverages to your greatest advantage. We provide a full proof of loss to help maximize the amount you are entitled to recover from your claim, and we negotiate that claim on your behalf to ensure just that.
Make sure you fully understand the meaning of each of the following before you move forward. Feel free to reach out to us for a no-cost discussion about your claim.
How can I minimize the emotional toll on my family?
How large of an advance should I expect?
What is a “scope of loss?”
How can the adjuster represent both me and the insurance company?
Can my agent really help me with preparing my claim?
Why is a claim strategy so important?
Understand all of the stake players (board up contractor, contents remediation company, insurance agent, insurance adjuster, public adjuster) and their respective interests. Get educated.
Successful evaluation of damages hinges upon a well-coordinated effort between estimators, inventory specialists, and consultants. Do you have the right experts lined up? Should you only rely the insurance company’s cadre of experts?
Can smoke damage be cleaned completely from soft goods? Hard goods? Structural elements?
What if someone in my family has severe allergies or compromised health?
What about mold caused by the water damage? Is that damage covered?
What if I incur costs to dry everything out to prevent mold, are those costs covered?
What is pressurized smoke?
What is the difference between letting the cleaning company remove the contents to estimate the damage and hold them versus removing and cleaning them? Should I let the cleaning company take and clean everything?
Can the contract for emergency board up authorize the contractor to do more work than I need done immediately?
How long am I really going to be out of my house?
Do I have to use my advance to buy furniture for the rental home? Why can’t I just rent the stuff?
How much of my time will this take?
Property Damage Losses Homeowners Claims Recovery Process
Life & Safety Issues
Mitigation of Damages
Establish A Preliminary Recovery Plan
Evaluation of Coverages
Valuation Of Damages, Claim Preparation, and Documentation
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.
Homeowner, Grand Rapids, MI
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