Birmingham Water Damage Restoration › Insurance claims
Water Damage Insurance Claims in Michigan
These are the published deadlines and rights, from state law and the insurance department, that apply to a Birmingham water damage claim, each sourced.
The usual response for Birmingham is under 30 minutes. Call us and a crew heads your way right away, day or night.
A written guarantee sits behind the work, promising a re-visit over your money back.
Michigan Claim Deadlines
| What | Rule | Source |
|---|---|---|
| Proof-of-loss notice | Under MCL 500.2006, a Michigan insurer that has not already paid your claim must send written word of what proof of loss it needs within 30 days of you filing it. | Michigan Compiled Laws 500.2006, via Michigan Legislature |
| Payment and interest | From the date your insurer has everything it asked for, the same statute gives it 60 days to issue payment, and a payment that runs late without a genuine dispute accrues interest at 12% a year. | Michigan Compiled Laws 500.2006, via Michigan Legislature |
| Appraisal on a disputed amount | MCL 500.2833 gives both you and your insurer the right to force an appraisal of a disputed amount: each side writes in, each side picks an appraiser within 20 days, and those two appraisers pick an umpire to settle the figure. | Michigan Compiled Laws 500.2833, via Michigan Legislature |
| Sewer-backup notice to a government agency | MCL 691.1419 sets a 45-day clock: that is how long you have, counted from the day you discover a sewer or drain backup, to give the responsible government agency written notice if you intend to bring a claim. | Michigan Compiled Laws 691.1419, via Michigan Legislature |
What We Do, and What We Leave to Others
Our scope is extraction, drying, and documentation, nothing more. The adjuster sees our photos, readings and invoice, and we can walk through the work with them. Coverage and payout belong to your insurer or agent.
Frequently Asked Questions
Should drying wait for the adjuster?
No. Photograph the loss, start drying right away, and call your insurer the same day. Most policies expect you to limit further damage.
Does insurance cover flooding from outside the home?
Usually not under a standard policy. That kind of water damage needs a separate flood policy. Your agent can tell you what you're covered for.
Start Your File Right Away
We document from the first visit forward. Call (248) 555-0108.
The usual response for Birmingham is under 30 minutes. Call us and a crew heads your way right away, day or night.
We never charge for the on-site estimate.
A written guarantee sits behind the work, promising a re-visit over your money back.