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Water mitigation and reconstruction are different phases of a property claim. Learn what each estimate should include, where scope gaps happen, and what Michigan property owners should document.

Received a sworn proof-of-loss request on a Michigan property claim? Learn what it is, what to include, why deadlines matter, and common mistakes to avoid.

Property repairs can become more expensive when current building codes require upgrades. Learn how ordinance or law coverage may apply in Michigan property claims and what documentation can support the added cost.

Think your Michigan property insurance claim was underpaid? Learn how to audit the carrier estimate, document missing scope, build a supplement, and review dispute options.

A tornado warning can leave Metro Detroit property owners wondering what damage to look for and how to protect an insurance claim. Here is what to document after tornado-force winds, fallen trees, roof damage and water intrusion.

Severe storms hit Metro Detroit today. Learn what to do after wind, hail, lightning, fallen trees or water damage in Oakland, Macomb and Wayne counties and how ACS can help with the insurance claim.

Severe storms can leave Wayne County homes and businesses with wind, lightning, hail, fallen-tree and water damage. Learn what to document and how ACS can help with the property insurance claim.

Severe storms can leave Macomb County homes and businesses with roof damage, fallen trees, lightning damage, hail and water intrusion. Here is what to do next and how ACS can help with the property insurance claim.

Severe storms are moving through Oakland County, Michigan. Learn what to do after wind, lightning, hail, fallen-tree or water damage and how ACS can help document your property insurance claim.

Actual cash value and replacement cost can produce very different property claim payments. This Michigan-focused guide explains the practical differences and the questions policyholders should ask.

A commercial property loss can stop revenue while expenses keep moving. Learn what Michigan businesses should document for a business interruption or business income insurance claim, how the coverage differs from property damage coverage, and when a public adjuster may help.

Not every property claim needs a public adjuster. Learn the warning signs that a claim may benefit from professional representation, from major fire and water losses to commercial, business interruption and underpaid claims.

A pipe burst in the middle of winter can feel overwhelming. Water spreads quickly, damage escalates fast, and homeowners are often forced to make decisions under pressure. The truth is, what you do in the first 24 hours...

Water damage on a ceiling or wall often gets labeled as a “roof leak,” but in winter, that assumption can be costly. Ice dam damage and roof leaks may look similar inside the home, yet they are caused by very different mechanisms. More importantly, insurance companies often evaluate and handle them differently. Understanding the distinction can directly impact how your claim is documented, covered, and ultimately paid. What Is an Ice Dam? Ice dams form when snow on a roof mel

As winter storms and prolonged freezing temperatures continue to impact the region, property damage claims are rising at a pace that has caught many homeowners off guard. Reports of burst pipes, ice dams, electrical fires, and water intrusion have increased significantly, particularly in older homes and commercial buildings not designed for prolonged cold snaps. While the damage itself is often visible, experts warn that the full extent of loss is frequently hidden behind wal

Winter brings more than snow and cold temperatures. It also creates some of the most expensive and misunderstood types of property damage homeowners face each year. Frozen pipes, pipe bursts, and ice damming don’t always cause immediate, obvious destruction. In many cases, the damage quietly spreads before homeowners realize anything is wrong. Knowing what to watch for and how to respond can make a significant difference in how smoothly the insurance claim process goes. Why W

Michigan’s polar vortex conditions are more than just uncomfortable. Prolonged subzero temperatures create the perfect environment for serious and often unexpected property damage. Each winter, homeowners across the state face costly losses caused by frozen pipes, pipe bursts, and ice damming, many of which escalate quickly if not handled properly. Understanding how this type of damage happens and knowing what steps to take immediately can make a significant difference in bot

A large loss claim is one of the most stressful experiences a property owner can face. Whether it’s a fire, storm, flood, or structural collapse, damages in the hundreds of thousands or millions of dollars can turn life or business upside down. Unfortunately, many insurance companies delay, underpay, or dispute large loss claims—hoping policyholders will settle for far less than they’re owed. That’s where Advocate Claims Services comes in. As public adjusters, we fight for pr

Flood and water damage are some of the most common and devastating issues faced by Michigan property owners.

Hailstorms are one of the most damaging weather events in Michigan, yet many homeowners don’t realize they have hail damage until months...