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
How to Prepare for Tornado-Related Insurance Claims
You may know how to prepare for tornadoes but do you know how to prepare for tornado-related insurance claims? April showers bring May tornadoes? Tornado season has arrived. ...
April showers bring May tornadoes? Tornado season has arrived. According to 2014 statistics from NOAA’s National Weather Service there were 20 tornadoes in March, 129 in April and 130 in May.
For most families, having a plan to get to safety is the main priority during this dangerous season and with good reason as many of these storms also end in tragedy. But once your family has created an evacuation plan (Ready.gov has excellent tools to help with this), and prepared for all of the safety and health issues that may arise, then it’s time to start thinking about protecting your property.
Tornadoes can be extremely costly as far as insurance claims go. “In 2013 insured losses from U.S. tornadoes/thunderstorms totaled $10.3 billion, down from $15 billion in 2012,” according to the Insurance Information Institute. How can homeowners ensure that they will be covered if a tornado touches down? And what should do if their property is damaged?
“Strong heavy winds and tornadoes can cause considerable damage even to the most well-constructed buildings. The fact is that many structures will not survive this type of storm and the owners will need to repair or rebuild what is left,” said Carl Gross, Vice President, Chief Administrative Officer and Shareholder of Globe Midwest/Adjusters International, which is based in Southfield, Michigan.
Gross notes that the time immediately following extreme property damage is always very stressful for families so he advises them to do as much pre-event preparation as possible including the following:
- Take photos of each room in your house and upload them to a cloud server that won’t be damaged in the event of extreme weather
- Make sure that you have copies of your insurance policies scanned and saved online or paper copies stored in water and fireproof containers
- Check with your insurance agent to confirm that your policy includes tornado coverage and that you fully understand any exclusions for flooding, water damage, etc.
- Have enough money saved to cover your deductible and other emergency expenses that may arise such as hotel rooms, dining and travel (many of which may be reimbursed later by your insurance carrier)
After a property loss occurs, homeowners will need to work through a complicated insurance claims process in order to get their properties repaired or rebuilt. Bruce Kabat, Chief Operating Officer of Adjusters International Colorado, says that due to the multiple causes of property damage involved with tornadoes – for example, high winds, hail and flooding almost always accompany these storms – filing claims can be incredibly challenging for most policyholders to handle on their own. Hiring an expert to guide them through the process can make the process much more manageable.
“Public adjusters are insurance experts who are trained in how to spot and document not just the obvious damage from the winds, but the more subtle damage caused by hail, to fully validate the true extent of your loss. From the initial appraisal to the final negotiations, our adjusters will manage the entire claims process, to help you secure a full and fair settlement,” said Kabat.
Kabat also offers the following tips to homeowners whose property is damaged by tornadoes:
- Heed all safety warnings by your local law enforcement officials as safety should always be your first priority
- Call your insurance carrier right away to begin the claims process since they will likely be inundated with calls immediately after the storm
- Save all receipts for expenses related to the weather event as these may be reimbursable under your policy
- Take pictures of all damaged property if it is safe to do so
- Understand your duty per the policy to protect your property from further damage — this could include tarping portions of your structure, and moving personal property away from the loss site to a secure location
- Hire a public adjuster at the beginning of the process in order to make it as easy on you as possible
“We always hope that tornadoes will not affect our family members, friends and neighbors but unfortunately, these violent storms can be very unpredictable and destructive,” said Gross. “Our experts are here to guide you through your tornado insurance claim so please don’t feel that you need to take this on alone.”
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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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