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:

  1. The client, with our assistance if desired, should obtain anticipated costs for the actual work desired to be performed.
    1. 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.
    2. 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.
    3. At the same time;
  2. 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:
    1. 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.
    2. 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.
    3. 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

Globe Midwest Adjusters International Team

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March is Women’s History Month — Honoring Women in Our Industry

At Adjusters International, we have seen a significant increase in the number of women who are interested in entering the fields of public adjusting and disaster recovery. These ...

At Adjusters International, we have seen a significant increase in the number of women who are interested in entering the fields of public adjusting and disaster recovery. These women who join the Adjusters International team bring with them a vested interest the recovery and well-being of our clients. In honor of Women’s History Month, we interviewed several women on our staff regarding their jobs as public adjusters and disaster recovery consultants, as well as the experiences they have had in these roles, and asked them to provide expert advice to other women interested in joining the industry.

Our public adjusters represent the interests of the policyholder following an insured loss. When a fire, earthquake, hurricane, tornado, flood, or any type of natural or man-made disaster damages a property, a public adjuster is there to level the playing field between the policyholder and the insurance company. They assess the claim and serve as the policyholder’s advocate throughout the insurance claims settlement process. Our disaster recovery consultants work with local communities and government entities after a disaster to secure funding through FEMA Public Assistance grant program.

Eden-GlasserEden Glasser is a Senior General Adjuster and Residential Contents Division Supervisor at Globe Midwest Adjusters International. Eden has been with our team as a licensed Public Adjuster since 1994. Her main focus is luxury residential property claims and business personal property losses.

  1. Briefly describe your job:
    I am an Adjuster for the insured specializing in preparing contents claims for large loss residential clients and business personal property claims for commercial losses. I typically represent homeowners in catastrophic losses. My role is to guide the insured through the entire claims process from beginning to end. I first assess the loss and needs of the client along with reviewing their insurance policy. Next, I work with the insured to determine housing needs in order to make them as comfortable as possible while repairs are made to their home. Then, I prepare a plan of action for the entire contents claim. This process may include bringing in specialty restoration vendors, coordinating and overseeing the entire inventory process, along with the preparation, submission and ultimately settlement of our client’s contents claim.
  2. How has the public adjusting industry changed over time in regards to gender equality?
    I think some adjusters still have the “good ol’ boys” mentality but I believe women have become more widely accepted and respected overall in the insurance industry. I also believe the industry is realizing how effective women can be in this field. When I started 20 years ago, I was the only full-time woman adjuster amongst all male adjusters. Today, Globe Midwest Adjusters international’s office alone has developed and employed five female public adjusters, along with a large support staff comprised mostly of women.
  3. What is the most satisfying part of your job?
    The most satisfying part of my job is the moment my clients have that “Ah ha!” moment where they tell me, “I don’t know what I would have done without you!” This job is not easy, and a good settlement takes patience, time and persistence. Knowing that I played a major role in helping put their lives back together and guided them through what may have been one of the most difficult times in their life is always rewarding.
  4. What is your most memorable experience on the job?
    Over the years I have had many memorable clients and experiences. I have worked with all types of clients from the average homeowner to “celebrities.” After a property loss, they are all just regular people facing a difficult time in their lives. I think the experience that may stand out the most is when, at the end of the claim, my client gave me a Humpty Dumpty statue and said “Thanks for putting my life back together.”
  5. What advice can you give women entering the public adjusting field?
    I would encourage any woman who is willing to put in time and hard work, and doesn’t mind getting their hands a little dirty, to explore this unique field. Women bring many invaluable skills to this field unlike any other profession. Our industry offers not only tremendous diversity in the job itself, but I also believe this job has unlimited career and growth potential for those willing to work hard. The more you learn and understand not only about the property insurance business, but also your role as a Public Adjuster, the better you can serve your clients and the more successful you will become.

Blair BenekeBlair Beneke is a Licensed Public Adjuster and Professional Loss Consultant for Adjusters International’s Austin, Texas office. Blair joined AI in December of 2013 and has proven to be a quality asset to our team.

  1. Briefly describe your job:
    I head up the marketing, public relations, and social media efforts for our office. I assist in managing the files of open claims. I’m out in the field learning the estimating process. Needless to say, no two days are alike.
  2. How has the public adjusting industry changed over time in regards to gender equality?
    I have only been in the industry a little over a year, so it would be hard for me to gauge that. I am optimistic though that the number of women who are licensed public adjusters will continue to increase. Within the past year I have had many interactions with women consultants and engineers.
  3. What is the most satisfying part of your job?
    Helping the insured is very rewarding. In today’s claim’s environment, the insurance company’s adjuster and his or her team of consultants put the insured at a big disadvantage. This is a constant reminder that our job as public adjusters is more important than ever.
  4. What is your most memorable experience on the job?
    Appropriately for Women’s History Month, my first client (and most interesting thus far) was a pioneer for women in the New York financial markets. She had a very severe fire in her home in Austin, Texas. I handled the inventory and pricing of the contents portion of the claim. Not only did I learn a lot about our business, but I also learned a great deal about women in the workplace from a truly independent woman.
  5. What advice can you give women entering the public adjusting field?
    Like any new position or line of work, patience with the learning curve is important. Especially in this industry you never stop learning. The basics are always a good place to start too — hard work, trial and error, and having a good teacher. And don’t forget your flashlight.

Kimberly SekolKimberly Sekol is a Senior Disaster Recovery Consultant for Adjusters International. Kimberly has over 15 years of experience in the appraisal and construction industries. Her disaster experience comes from events such as Hurricane Sandy, the BP Oil Spill, Hurricane Ike, and the severe storms and flooding in New York State in 2006, 2007, 2009, 2010 and 2011.

  1. Briefly describe your job:
    Working in the disaster recovery consulting arena, my job is to work with our clients, in whatever capacity necessary to prepare for natural disasters, as well as maximize and expedite financial recovery following a disaster event.
  2. How has the disaster recovery consulting industry changed over time in regards to gender equality?
    When I entered the industry nearly nine years ago it was a predominantly male profession. Slowly over this time period, I have seen more women enter the field. I look forward to seeing further change within the industry as women are recognized for their accomplishments and move into more leadership and executive roles.
  3. What is the most satisfying part of your job?
    The most satisfying part of my job is utilizing my expertise to develop successful strategies for overcoming difficult challenges that result in positive financial outcomes for our clients.
  4. What is your most memorable experience on the job?
    Each of my disaster experiences has offered unique memorable moments — from seeing the total devastation a hurricane or flooding can cause, to guiding a client through a successful financial recovery such as getting a negative determination reversed, and seeing the rebuilding associated with those wins.
  5. What advice can you give women entering the disaster recovery field?
    While work within the industry can at times be difficult, it can also be one of the greatest opportunities to work in an ever-changing field that offers the opportunity to experience something different and exciting with each new assignment. Certainly the satisfaction of helping communities recover from a disaster can be very rewarding.

Luanne PrincipeLuanne Principe is a Senior Disaster Recovery Manager for Adjusters International. Luanne joined the AI team in 2006 and has experience with the construction industry, as well as a thorough knowledge of FEMA’s Hazard Mitigation program.

  1. Briefly describe your job:
    As a Senior Disaster Recovery Manager, I manage staff, client expectations, budgets and scheduling, as well as provide subject matter and expert professional advisory services. We are ‘working’ managers. We take on the same duties to our clients as the Senior Disaster Recovery Consultants with the additional tasks mentioned above.
  2. How has the disaster recovery consulting industry changed over time in regards to gender equality?
    More and more I have seen and worked with female Federal Emergency Management Agency (FEMA) staff. In addition, I have also had the opportunity to write for AI’s Disaster Recovery Today publication, sharing my knowledge of the Mitigation Measures and the FEMA Public Assistance program.
  3. What is the most satisfying part of your job?
    Watching the client learn about the funding available through the FEMA Public Assistance Program and then standing up to FEMA requesting what they now know to be eligible activities. It is also satisfying helping those whom FEMA has initially denied but then getting them to see how in fact, the project may be eligible. Proposing and receiving additional mitigation funding that the client did not expect can also be joyous. In the end, creating professional relationships all around the country with folks from Texas to North Dakota, who are all a pleasure to work with, is most valuable.
  4. What is your most memorable experience on the job?
    Working for the Port Authority of New York & New Jersey and having the chance to help World Trade Center Tower One and the Memorial/Museum get back to pre-disaster condition was both challenging and memorable.
  5. What advice can you give women entering the disaster recovery field?
    We have good days and crazy days. Some days are trying and some days are successful — we learn to choose our battles and the consequences; some good, some bad. Most days this job is rewarding. Standing up for the little guy versus large governmental bureaucracy is priceless.

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Broken or Burst Pipes? Here’s What You Need to Know

With wintry weather comes ice skating, sledding… and frozen pipes? Water damage caused by bursting pipes can be extensive and expensive. Will insurance companies pay to repair this ...

With wintry weather comes ice skating, sledding… and frozen pipes? Water damage caused by bursting pipes can be extensive and expensive. Will insurance companies pay to repair this damage? Well, that depends on your policy.

Most homeowner policies will cover physical damage from water if it started from plumbing within the home under normal weather conditions. The plumbing repair for the broken pipe may not be covered according to the language in some policies, but all ensuing damage to the structure and contents are usually covered. However, although it is unusual to see, freezing pipes that burst within the home due to cold weather may be excluded under some policies — unless you can prove that heat was maintained in the home or building prior to the loss.

“Homeowners living in the Midwest and other cold areas of the country should talk to their agents to make sure that their policies include coverage for freezing pipes located both inside and outside of the home,” said Carl Gross, Vice President and Chief Administrative Officer of Globe Midwest Adjusters International. “If your home is not occupied when this happens, such as a vacation home or a vacant rental property, or if you don’t discover that a pipe in your yard has burst and the water seeps slowly into your home over a period of time, then the resulting damage and those repairs may not be covered by your insurance company.”

Gross notes that one of the biggest risks when it comes to bursting pipes is that the water may not be discovered promptly and mold may grow within the home. Many policies today have been written to either exclude mold completely or to limit remediation to a very small amount.

“We often see damage from broken pipes that is discovered days after the initial loss occurred. By then, the water has saturated walls, insulation and floors,” said Gross. “If you don’t find all of the damage right away and it sits, then it can quickly turn into a mold problem which is obviously a lot more expensive to eradicate.”

What should homeowners do if they sustain water damage? First, they need to take steps to reduce or stop the flow of water.

“All policies require homeowners to mitigate their loss so homeowners should feel free to take steps to limit the water damage since it will not affect their final claim payment from the insurance company. Things like turning off the main water valve, extracting the standing water, and removing carpeting and furniture will help to dry out the house and limit damage. They should also take lots of pictures both before and after the items are removed so that they have proof of what happened and what was harmed in the process,” said Gross.

Once those immediate steps are taken, homeowners should call their insurance companies to report the damage. Depending on the extent of the damage, the homeowner should also consider hiring a professional public adjuster to help them navigate through the claims process. These licensed professionals are experts at completing complicated insurance claims paperwork, documenting lost and damaged property and also working with both remediation contractors and insurance adjusters to get the home renovated and repaired. Public adjusters also assist homeowners with getting expenses covered by insurance companies, such as temporary housing while repairs are being made or hiring security to prevent looting and vandalism to the property.

“Pipes burst frequently in cold weather and can cause extensive damage to a home,” said Gross. “We know that this experience can be very stressful to families and we’re here to help make the process of filing claims and repairing homes as quick and efficient as possible.”

To hire a professional public adjuster to assist you with your claim, call 800-445-1554.

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