Licensed Insurance Claims Adjusters for Homeowners & Businesses in Metro Detroit
When a fire, burst pipe, or storm damages your Detroit home or business, your insurance company sends its own adjuster, whose job is to protect the insurer. Fire Loss Consultants works only for you. Our licensed Detroit public adjusters document your loss, read your policy line by line, and negotiate directly with your insurer so your settlement covers what you actually lost.
Fire Loss Consultants is an independent public adjusting firm based at the Renaissance Center in downtown Detroit. We represent policyholders across Wayne, Oakland, and Macomb counties, including Dearborn, Livonia, Birmingham, Royal Oak, Farmington Hills, Rochester Hills, Sterling Heights, St. Clair Shores, and the Grosse Pointes.
Metro Detroit properties face their own set of risks: flooded basements after heavy summer rain, frozen pipes in the winter, windstorm and hail damage, and fires in older homes and commercial buildings. We’ve handled [X]+ years of these claims, including:
Insurance companies deal with claims every day, and most homeowners or business owners handle only one or two in a lifetime. Hiring a public adjuster in Detroit evens that out. We manage the whole claim, handle every conversation with your insurer, and work to get you a fair, complete settlement so you can focus on recovering.
Insurance policies are dense and full of exclusions. Our licensed adjusters know how Michigan property policies work and make sure your insurer honors every coverage you paid for.
From the damage inspection and loss inventory to estimates, paperwork, and deadlines, we build a fully documented claim and manage all communication with the insurance company.
If your insurer lowballs, delays, or denies your claim, we push back with evidence. When needed, we can take the dispute to appraisal to get it resolved.
Our goal is a settlement that covers the full cost to repair or replace your property and contents, plus additional living expenses or business income where your policy allows.
A public adjuster is a licensed insurance professional who represents the policyholder, not the insurance company. We assess the damage, prepare and document the claim, and negotiate the settlement for you.
Yes. Our adjusters are licensed by the Michigan Department of Insurance and Financial Services (DIFS).
We work on a contingency fee, which is a percentage of your settlement. You pay nothing up front, and we only get paid when you do.
Yes. We can step in at any point, including on claims that have been underpaid or denied.
All of Wayne, Oakland, and Macomb counties, plus the surrounding Southeast Michigan communities.