The Michigan Homeowner’s Insurance Bill of Rights

 

Presented by AMERICAN CHOICE PUBLIC INSURANCE ADJUSTER SERVICES

 

Most homeowners pay their premiums for years, trusting that their insurance company will be there when disaster strikes. However, the claims process is often weighted in favor of the insurance company. At AMERICAN CHOICE PUBLIC INSURANCE ADJUSTER SERVICES, we believe every policyholder deserves a fair fight.

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Under the Michigan Insurance Code and the principles of "Good Faith and Fair Dealing," you have the following 8 fundamental rights:

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1. The Right to Your Own Expert Representation

You are not required to rely solely on the adjuster sent by your insurance company. You have the legal right to hire a licensed Public Adjuster from AMERICAN CHOICE PUBLIC INSURANCE ADJUSTER SERVICES to represent your interests, document your damage, and negotiate your settlement.

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2. The Right to a Prompt Investigation

Michigan law (MCL 500.2026) requires insurance companies to acknowledge your claim and act reasonably promptly. You have the right to a timely inspection and a clear timeline for the processing of your claim.

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3. The Right to Fair Market Repair Costs

Your settlement should not be based on national averages or "discount" labor rates. You have the right to a settlement that reflects the actual, current cost of high-quality materials and skilled labor in your specific Michigan community.

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4. The Right to a Written Explanation of Denials

If any part of your claim is denied or underpaid, you have the right to a detailed written explanation. This must include the specific policy language and factual evidence used to justify the decision.

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5. The Right to "Like Kind and Quality" Restoration

You are entitled to have your home restored to its pre-loss condition using materials of "like kind and quality." Your insurance company cannot force you to accept inferior materials or "patchwork" repairs that decrease your property value.

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6. The Right to Choose Your Own Contractor

Your insurance company may provide a list of "preferred contractors," but you are under no obligation to use them. You have the right to hire the local Michigan craftsmen you trust to repair your home.

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7. The Right to Payment Within 60 Days

Once "Proof of Loss" is received, Michigan law generally requires insurers to pay claims within 60 days. If they fail to do so without a valid reason, they may be required to pay 12% interest on the overdue amount.

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8. The Right to Reopen a Claim

If you discover hidden damage after your claim has been closed, or if you feel you were underpaid, you often have the right to reopen the claim. AMERICAN CHOICE PUBLIC INSURANCE ADJUSTER SERVICES specializes in auditing closed claims to recover the funds you were rightfully owed.

Is your insurance company respecting these rights? Don’t guess—know for sure. Contact AMERICAN CHOICE PUBLIC INSURANCE ADJUSTER SERVICES today for a Free Claim Audit. We fight to ensure your "Bill of Rights" is more than just words on a page.

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Learn more about how can AMERICAN CHOICE PUBLIC INSURANCE ADJUSTER SERVICES help you with your Denied Insurance Claim.