Welcome to Globe Midwest Adjusters International
Premier Public Adjusters representing policy holders in Michigan, Illinois, Ohio, Indiana, Wisconsin, Minnesota, Kentucky, Missouri and Iowa since 1924.
As the nation's premier disaster recovery consulting organization, our core focus is maximizing and expediting our clients' financial recovery from insurance and FEMA.
We have offices in Southfield and Grand Rapids, Michigan, and Chicago, Illinois. We're experienced with the types of natural disasters that strike here, the companies that insure here, and how local claims are handled. We have the resources and expertise to thoroughly investigate your loss, accurately prepare, document and submit your claim, and get you a full, fair and expedited settlement.
For 90 years, Globe Midwest Adjusters International has been guiding clients through the unpredictable territory of preparing and settling insurance claims. In 1985 we, along with a group of leading public adjusting firms in the United States, Canada and the United Kingdom, foresaw the need for an international network of highly skilled public adjusters who could bring specific expertise to servicing any type of loss, anywhere, at any time. Adjusters International was the result.
The Team Concept
The most effective way to handle a catastrophic claim is to have two processes going on simultaneously:
- The client, with our assistance if desired, should obtain anticipated costs for the actual work desired to be performed.
- If you choose to make repairs "in-house," we will assist you in understanding the limitations of the insurance policy to assure your complete recovery, otherwise you may not receive payment for your full Replacement Cost Loss.
- Should you elect to utilize an independent contractor, we can assist in assuring that you, and not the contractor, derive the optimum benefit from your claim.
- At the same time;
- GMAI will prepare a Scope of Damage and Cost of Repair in accordance with the terms and conditions of the insurance policy that would include:
- Coordination and continued negotiations with the insurance company's adjuster and their hired experts on issues such as: Building, Business Interruption, Ordinance or Law Coverage, Landscaping, Debris Removal, Architectural, Engineering, etc.
- Coordinate and control the insurance company's construction consultants to assure a proper scope of damage is assessed and agreeing on specific "unit" costs, subcontractors and a total claim valuation.
- This will assure a timely and satisfactory settlement. Furthermore, it allows our clients, the insured, to know what a good settlement amount is and be prepared to select the appropriate recovery option prior to the settlement of the claim.
Meet the Globe Midwest Adjusters International Team
Adjusting Today Approved for a Second Continuing Education Course!
Globe Midwest Adjusters International is pleased to announce a second continuing education course has been developed based on Adjusting Today material! To accomplish this, we have again partnered ...
Globe Midwest Adjusters International is pleased to announce a second continuing education course has been developed based on Adjusting Today material! To accomplish this, we have again partnered with The Institutes. Entitled “Natural Disasters: Coverage Issues,” the course is based on the following four editions of Adjusting Today:
- “Contingent Business Interruption Issues Following Disasters in Japan,” by Tony D’Amico and Harvey Goodman;
- “Japan Earthquake a Wake-Up Call for Contingent Business Interruption Coverage,” by Don Malecki;
- “Earthquake Insurance: What’s Your Exposure,” by Bob Prahl; and
- “Hurricanes and Windstorm Coverage,” by Keith Hayman
A seven-module course, it is offered to property insurance producers, adjusters or both, depending on the state. The course has already been approved in 44 states and provides attendees with up to three continuing education credits. It is offered at www.CEU.com.
About The Institutes
The Institutes, located in Malvern, PA, develops curriculum; writes, edits and publishes textbooks and other study materials; and develops, administers and grades examinations for people in the property and casualty insurance and financial services business. They certify their level of knowledge of specific areas of insurance such as underwriting, claims adjusting, risk management, reinsurance, and premium auditing through setting examination standards in those fields. The Institutes is the leader in delivering proven knowledge solutions that drive powerful business results for the risk management and property-casualty insurance industry. Their knowledge solutions include the CPCU designation program; associate designation programs in areas such as claims, risk management, underwriting, and reinsurance; introductory and foundation programs; online courses; research; custom solutions; assessment tools; and continuing education (CE) courses for licensed insurance professionals and adjusters through their CEU.com compliance unit. The Institutes are affiliated with the CPCU Society, a community of credentialed insurance professionals who promote excellence through their technical expertise and ethical behavior and The Griffith Insurance Education Foundation, a non-profit educational organization that promotes the study and teaching of risk management and insurance. www.TheInstitutes.org.
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Homeowners: What to do after a house fire
A house fire can cause property damage, financial hardship, physical injury and emotional harm. Once the fire is extinguished and the smoke has cleared, many homeowners are left ...
A house fire can cause property damage, financial hardship, physical injury and emotional harm. Once the fire is extinguished and the smoke has cleared, many homeowners are left wondering who to contact, and what steps to take to contain the chaos.
- Contact your insurance company immediately — As the insured, you are responsible for filing your claim.
- Secure the property to protect from further damage — Adjusters International/Basloe, Levin & Cuccaro’s Regional Vice President Steven Vanuga states, “The least effective action after a loss is to be overambitious in cleaning up the site. Disposing of the contents before they are accurately documented and proven damaged or destroyed can cost you the claim. You’re required to secure the area to prevent further damage, but do not throw anything away as this is your evidence to support the claim.”
- The owner of the property or a contracted cleaning/restoration company must secure the site to mitigate further damage
- Get organized — Adjusters International’s Director of Consulting Operations, Greg Raab advises homeowners to “Accurately document the contents lost. Typically, the money collected for the lost contents outweighs the amount received for the structural loss or repairs. It is important to be as detailed as possible when creating a home inventory list as the little items add up quickly. Track down photos, receipts, and note the age and description of the items. If you had not previously created a home inventory, this can be very difficult to do from memory. I have personally witnessed cases where public adjusters have found 400+ more items in a kitchen fire that could have been listed that the homeowner otherwise would have missed.”
- Create a home inventory list of all items lost or damaged in the fire
- Fill out a ‘proof of loss claim’
- Keep track of, and notate, all communications between you and the insurance company as well as any receipts related to the loss.
- Replace valuable documents — including but not limited to:
- Adoption decrees, birth/death/marriage certificates, driver’s license(s), immigration documents, income tax return records, insurance policies, marriage dissolution (divorce) records, military records, medical records, mortgage papers, passports, property deeds, savings bonds/notes, Social Security cards, wills, etc. (For more information, see FEMA.gov: Replacing your Important Documents)
- Receive repair estimates
- Hire a public adjuster
- A public adjuster can help you fully recover from the loss and negotiate with the insurance company on your behalf. Public adjusters bring expertise and knowledge to what can be a lengthy and confusing process for many.
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