Will Insurance Match Your Siding in Michigan?
Hail damages one elevation, the colour has been discontinued, and you are told insurance must replace it all so the house matches. In Michigan that is not a legal right. Here is what is actually true, and what you can still argue.
Hail in Macomb and Oakland: What Twenty Years of Reports Show
Oakland County has logged 92 hail reports since 2004 and Macomb 69, with the largest stones reaching two and a half inches. What twenty years of records show about when hail arrives here, how big it gets, and what size actually damages a roof.
Your Roof Claim Was Denied. Here Is What Actually Happens Next
A denial is a position, not a verdict. The common grounds, the six steps that follow in order, and why the deadline you are working against did not pause when the letter arrived.
Your Three-Day Right to Cancel a Door-Knocked Contract
Michigan gives you three days to cancel a sale solicited at your home, and only one day where you agreed to pay over time. If you signed something on the doorstep after a storm and have thought better of it, the clock is already running.
Why “We Will Waive Your Deductible” Should End the Conversation
A deductible is your share of the loss under your own policy. A contractor cannot remove it. When someone offers to absorb it there are only two possibilities, and it is worth understanding both before you sign anything.
ACV vs RCV and Recoverable Depreciation, Explained With a Roof
The first cheque is smaller than the estimate and homeowners assume they have been shortchanged. Often they have not. What actual cash value, replacement cost and recoverable depreciation mean in practice on a roof.
The One-Year Deadline on a Michigan Storm Claim
Michigan law sets a one-year window to bring an action on a property loss, and the state regulator sets 30 and 60 day duties on your insurer — with interest if they miss. What the clock actually says, and why the date of loss is the date that counts.
Michigan Storm Damage: Complete Roof Insurance Claim Guide
Quick Claim Summary: After Michigan storm damage, document the roof, schedule an inspection, review your policy, file the claim quickly, meet the adjuster with a contractor, and do not approve repairs before the full scope is documented. What to Do Right After Storm Damage The first step is safety. If you notice missing shingles, active […]