<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[ACS]]></title><description><![CDATA[ACS]]></description><link>https://www.acsofmichigan.com/blog</link><generator>RSS for Node</generator><lastBuildDate>Sun, 04 Oct 2026 14:05:17 GMT</lastBuildDate><atom:link href="https://www.acsofmichigan.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Water Mitigation vs. Rebuild in Michigan Property Insurance Claims: Why Both Estimates Matter]]></title><description><![CDATA[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.]]></description><link>https://www.acsofmichigan.com/post/water-mitigation-vs-rebuild-michigan-insurance-claim</link><guid isPermaLink="false">6ab3cf11cb2c5cb708d3aeb7</guid><pubDate>Wed, 23 Sep 2026 13:07:29 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e241df_1a937be8a5eb4fa29dd2a9575e901274~mv2.jpg/v1/fit/w_1000,h_900,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Advocate Claims Services</dc:creator></item><item><title><![CDATA[Sworn Proof of Loss in Michigan Property Insurance Claims: What to Include, Deadlines, and Common Mistakes]]></title><description><![CDATA[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.]]></description><link>https://www.acsofmichigan.com/post/sworn-proof-of-loss-michigan-property-insurance-claim</link><guid isPermaLink="false">6aaaa2972dc1ddd4aee1c06d</guid><pubDate>Wed, 16 Sep 2026 14:07:19 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e241df_4b9de49dea1f41929fc26a482d96ea2d~mv2.jpg/v1/fit/w_1000,h_900,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Advocate Claims Services</dc:creator></item><item><title><![CDATA[Ordinance or Law Coverage in Michigan Property Claims: Who Pays for Code Upgrades After a Loss?]]></title><description><![CDATA[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.]]></description><link>https://www.acsofmichigan.com/post/ordinance-law-coverage-michigan-code-upgrade-claims</link><guid isPermaLink="false">6aaa9f16c4df873899e4024a</guid><pubDate>Wed, 16 Sep 2026 13:52:23 GMT</pubDate><dc:creator>Advocate Claims Services</dc:creator></item><item><title><![CDATA[Underpaid Property Insurance Claim in Michigan: How to Find Missing Scope and Build a Supplement]]></title><description><![CDATA[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.]]></description><link>https://www.acsofmichigan.com/post/underpaid-property-insurance-claim-michigan</link><guid isPermaLink="false">6aa15e52f74f33298923dffa</guid><pubDate>Wed, 09 Sep 2026 13:25:38 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e241df_339e590708c74e14965317fbcabbec95~mv2.jpg/v1/fit/w_1000,h_900,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Advocate Claims Services</dc:creator></item><item><title><![CDATA[Tornado Warning in Metro Detroit: What to Do If Your Home or Business Was Damaged]]></title><description><![CDATA[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.]]></description><link>https://www.acsofmichigan.com/post/metro-detroit-tornado-damage-insurance-claim</link><guid isPermaLink="false">6a9b33a9cdf183e02309f560</guid><pubDate>Fri, 04 Sep 2026 21:10:01 GMT</pubDate><dc:creator>Advocate Claims Services</dc:creator></item><item><title><![CDATA[Metro Detroit Storm Damage: What Oakland, Macomb &#38; Wayne County Property Owners Should Do Now]]></title><description><![CDATA[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.]]></description><link>https://www.acsofmichigan.com/post/metro-detroit-storm-damage-oakland-macomb-wayne</link><guid isPermaLink="false">6a9a2a6a950c73fdcf78bdf2</guid><pubDate>Fri, 04 Sep 2026 02:18:18 GMT</pubDate><dc:creator>Advocate Claims Services</dc:creator></item><item><title><![CDATA[Wayne County Storm Damage: What to Do After High Winds, Lightning, Hail or Fallen Trees]]></title><description><![CDATA[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.]]></description><link>https://www.acsofmichigan.com/post/wayne-county-storm-damage-wind-lightning-hail-fallen-trees</link><guid isPermaLink="false">6a99db1140b25387a6f06034</guid><pubDate>Thu, 03 Sep 2026 20:39:45 GMT</pubDate><dc:creator>Advocate Claims Services</dc:creator></item><item><title><![CDATA[Macomb County Storm Damage: What to Do After High Winds, Lightning, Hail or Fallen Trees]]></title><description><![CDATA[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.]]></description><link>https://www.acsofmichigan.com/post/macomb-county-storm-damage-wind-lightning-hail-fallen-trees</link><guid isPermaLink="false">6a99da96cdf183e02306bd7c</guid><pubDate>Thu, 03 Sep 2026 20:37:42 GMT</pubDate><dc:creator>Advocate Claims Services</dc:creator></item><item><title><![CDATA[Oakland County Storm Damage: What to Do After High Winds, Lightning or a Tree Falls on Your Home]]></title><description><![CDATA[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.]]></description><link>https://www.acsofmichigan.com/post/oakland-county-storm-damage-wind-lightning-fallen-trees</link><guid isPermaLink="false">6a99d84fa6d208e948708a32</guid><pubDate>Thu, 03 Sep 2026 20:27:59 GMT</pubDate><dc:creator>Advocate Claims Services</dc:creator></item><item><title><![CDATA[Actual Cash Value vs. Replacement Cost in Michigan Property Insurance Claims]]></title><description><![CDATA[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.]]></description><link>https://www.acsofmichigan.com/post/actual-cash-value-vs-replacement-cost-michigan</link><guid isPermaLink="false">6a981efc4bcb57639b3f8108</guid><pubDate>Wed, 02 Sep 2026 13:05:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e241df_ffcc7779bf494370be8b06d412c338fa~mv2.jpg/v1/fit/w_1000,h_900,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Advocate Claims Services</dc:creator></item><item><title><![CDATA[Business Interruption Insurance Claims in Michigan: What Businesses Need to Document After a Property Loss]]></title><description><![CDATA[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.]]></description><link>https://www.acsofmichigan.com/post/business-interruption-claim-documentation-michigan</link><guid isPermaLink="false">6a8ee3f331580e77c4a1e301</guid><pubDate>Wed, 26 Aug 2026 13:02:43 GMT</pubDate><dc:creator>Advocate Claims Services</dc:creator></item><item><title><![CDATA[When Should You Hire a Public Adjuster? A Guide for Fire, Water, Storm &#38; Large-Loss Claims]]></title><description><![CDATA[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.]]></description><link>https://www.acsofmichigan.com/post/when-to-hire-a-public-adjuster-property-damage</link><guid isPermaLink="false">6a8cde8716311e23431bf0b6</guid><pubDate>Tue, 25 Aug 2026 00:15:03 GMT</pubDate><dc:creator>Advocate Claims Services</dc:creator></item><item><title><![CDATA[The First 24 Hours After a Pipe Burst: What Homeowners Should and Shouldn’t Do]]></title><description><![CDATA[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...]]></description><link>https://www.acsofmichigan.com/post/the-first-24-hours-after-a-pipe-burst-what-homeowners-should-and-shouldn-t-do</link><guid isPermaLink="false">6974fe10e389f5384b719b8c</guid><category><![CDATA[Commercial Property Claims]]></category><category><![CDATA[Pipe Bursts]]></category><pubDate>Wed, 28 Jan 2026 12:01:12 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e241df_b873fab9cf7d4d5b81b626b0de10e055~mv2.jpg/v1/fit/w_1000,h_900,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Advocate Claims Services</dc:creator></item><item><title><![CDATA[Ice Dams vs. Roof Leaks: Why Insurance Treats Them Differently and Why It Matters]]></title><description><![CDATA[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 melts due to heat...]]></description><link>https://www.acsofmichigan.com/post/ice-dams-vs-roof-leaks-why-insurance-treats-them-differently-and-why-it-matters</link><guid isPermaLink="false">6974fc49d43586da50c2291a</guid><category><![CDATA[Ice Dam]]></category><category><![CDATA[Seasonal Topics]]></category><pubDate>Mon, 26 Jan 2026 14:00:24 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e241df_2d786f12a0a24a789c214e0973145cbb~mv2.jpg/v1/fit/w_1000,h_900,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Advocate Claims Services</dc:creator></item><item><title><![CDATA[Hidden Damage, Hidden Costs: What Many Insurance Claims Miss]]></title><description><![CDATA[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 walls, ceilings, and...]]></description><link>https://www.acsofmichigan.com/post/hidden-damage-hidden-costs-what-many-insurance-claims-miss</link><guid isPermaLink="false">6974edf2d43586da50c2012b</guid><category><![CDATA[Seasonal Topics]]></category><category><![CDATA[FAQS & Tips]]></category><category><![CDATA[Water Damage Claims]]></category><category><![CDATA[Commercial Property Claims]]></category><category><![CDATA[Large Loss Claims]]></category><pubDate>Sun, 25 Jan 2026 00:00:32 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e241df_b873fab9cf7d4d5b81b626b0de10e055~mv2.jpg/v1/fit/w_1000,h_900,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Advocate Claims Services</dc:creator></item><item><title><![CDATA[Winter Water Damage: The Hidden Risks Homeowners Miss and How to Respond Correctly]]></title><description><![CDATA[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 Winter Water...]]></description><link>https://www.acsofmichigan.com/post/winter-water-damage-the-hidden-risks-homeowners-miss-and-how-to-respond-correctly</link><guid isPermaLink="false">6973ece4b5920f4029e98a99</guid><category><![CDATA[Pipe Bursts]]></category><category><![CDATA[Seasonal Topics]]></category><category><![CDATA[Ice Dam]]></category><pubDate>Sat, 24 Jan 2026 13:00:18 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e241df_45278136057e4779b624878c3cb1adec~mv2.jpg/v1/fit/w_1000,h_900,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Advocate Claims Services</dc:creator></item><item><title><![CDATA[Polar Vortex in Michigan: How Extreme Cold Can Damage Your Home and What to Do First]]></title><description><![CDATA[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 both repairs and...]]></description><link>https://www.acsofmichigan.com/post/polar-vortex-in-michigan-how-extreme-cold-can-damage-your-home-and-what-to-do-first</link><guid isPermaLink="false">6973e60216ee2e05645a666f</guid><category><![CDATA[Pipe Bursts]]></category><category><![CDATA[Seasonal Topics]]></category><category><![CDATA[Water Damage Claims]]></category><category><![CDATA[Ice Dam]]></category><pubDate>Fri, 23 Jan 2026 21:25:22 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e241df_2d786f12a0a24a789c214e0973145cbb~mv2.jpg/v1/fit/w_1000,h_900,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Advocate Claims Services</dc:creator></item><item><title><![CDATA[Large Loss Claims: How Advocate Claims Services Helped Clients Recover Big After Disaster Struck]]></title><description><![CDATA[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 property owners to...]]></description><link>https://www.acsofmichigan.com/post/large-loss-claims-how-advocate-claims-services-helped-clients-recover-big-after-disaster-struck</link><guid isPermaLink="false">67dc348839416c6488957499</guid><category><![CDATA[Large Loss Claims]]></category><category><![CDATA[Commercial Property Claims]]></category><pubDate>Mon, 26 May 2025 12:00:13 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e241df_b5488793f6fb4bd7a36a0532bd1c6682~mv2.jpg/v1/fit/w_1000,h_900,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Advocate Claims Services</dc:creator></item><item><title><![CDATA[Flood and Water Damage Claims in Michigan: How ACS Public Adjusters Can Help]]></title><description><![CDATA[Flood and water damage are some of the most common and devastating issues faced by Michigan property owners.]]></description><link>https://www.acsofmichigan.com/post/flood-and-water-damage-claims-in-michigan-how-acs-public-adjusters-can-help</link><guid isPermaLink="false">67882931bde086d2c18e8ff0</guid><category><![CDATA[Water Damage Claims]]></category><pubDate>Mon, 19 May 2025 13:00:33 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e241df_d450624176404e4cbf43e30dd1532624~mv2.jpg/v1/fit/w_1000,h_900,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Advocate Claims Services</dc:creator></item><item><title><![CDATA[The Truth About Michigan Hail Damage Claims: What Your Insurance Company Won’t Tell You]]></title><description><![CDATA[Hailstorms are one of the most damaging weather events in Michigan, yet many homeowners don’t realize they have hail damage until months...]]></description><link>https://www.acsofmichigan.com/post/the-truth-about-michigan-hail-damage-claims-what-your-insurance-company-won-t-tell-you</link><guid isPermaLink="false">67dc2673167e7b19c69da8e3</guid><category><![CDATA[Seasonal Topics]]></category><category><![CDATA[Storm Damage]]></category><pubDate>Mon, 12 May 2025 12:00:11 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e241df_dbc321fd39ed4d17a45f68e01288c9e4~mv2.jpg/v1/fit/w_1000,h_900,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Advocate Claims Services</dc:creator></item></channel></rss>