Large Loss Insurance Claims: Why You Need a Public Adjuster to Maximize Your Settlement

A large loss claim is every property owner’s worst nightmare. Whether it's a devastating fire, a massive flood, a tornado, or structural collapse, the financial impact can be overwhelming. When damages exceed hundreds of thousands or even millions of dollars, you expect your insurance company to step in and cover the full cost of repairs and restoration.

Unfortunately, the reality is often much different. Insurance companies have teams of adjusters, lawyers, and claims specialists whose job is to protect their bottom line—not yours. That’s why large loss claims are frequently delayed, underpaid, or disputed.

At Advocate Claims Services, we specialize in handling high-value insurance claims to ensure you receive every dollar you’re entitled to. Here’s what you need to know about large loss claims and how a public adjuster can make all the difference.

What is Considered a Large Loss Claim?

A large loss claim typically involves catastrophic damage to residential or commercial properties that exceeds six figures or more in repair costs.

Common Large Loss Scenarios in Michigan:

Fire & Smoke Damage – Entire homes, commercial buildings, or multi-unit properties destroyed by flames and smoke contamination.
Severe Storm & Tornado Damage – Roof collapses, structural failures, and widespread property damage from high winds, hail, and falling debris.
Flooding & Water Damage – Large-scale water intrusion, broken pipes, and sewage backups that result in mold, foundation issues, and electrical hazards.
Winter Damage & Ice Dams – Heavy snow accumulation leading to roof cave-ins, burst pipes, and water infiltration.
Business Interruption Claims – Large commercial properties, hotels, or retail centers losing revenue due to prolonged restoration times.

When your property, business, or livelihood is at stake, you can’t afford to let the insurance company dictate the terms of your settlement.

The Challenges of Large Loss Insurance Claims

Handling a large loss claim is not like dealing with minor roof repairs or a simple water leak. Insurance companies approach high-dollar claims differently—often making it difficult for policyholders to receive a full payout.

Here’s What You’re Up Against:

🚩 Delays & Slow Responses – Insurers may drag out the claims process for months, hoping you’ll accept a lower offer out of frustration.

🚩 Lowball Settlement Offers – Initial estimates often undervalue damages, especially for hidden structural damage, code upgrades, and long-term restoration costs.

🚩 Disputes Over Coverage – Insurance adjusters nitpick policy language to limit what they’ll pay for. Some claims get denied outright for reasons like “pre-existing conditions” or “wear and tear.”🚩 Complex Repair Estimates – Insurers may rely on their own contractors to downplay repair costs, leading to underfunded restorations.

🚩 Business Interruption Loopholes – For commercial properties, insurers often deny lost revenue claims by disputing whether the downtime was “necessary.”

Fact: Large loss claims often take 6 months to 2 years to fully resolve—unless you have a public adjuster fighting for you.

How a Public Adjuster Protects Your Large Loss Claim

Unlike the insurance company’s adjusters—who work for them—a public adjuster works exclusively for you. At Advocate Claims Services, we bring years of experience in large loss claims to ensure you get the full settlement you need to rebuild.

Here’s How We Maximize Your Claim:

✅ Comprehensive Damage Assessment – We conduct independent evaluations to ensure no damage is overlooked, including structural integrity, electrical systems, HVAC, and hidden moisture issues.

✅ Expert Policy Interpretation – We analyze your policy language to uncover hidden coverages and make sure the insurer doesn’t deny legitimate claims.

✅ Negotiation with the Insurance Company – We handle all communication and negotiations to counter lowball offers and demand a fair payout.

✅ Business Interruption & Additional Expenses – For commercial claims, we document lost revenue, temporary relocation costs, and additional expenses to maximize compensation.

✅ Faster Claim Processing – We push insurance companies to act and prevent unnecessary delays in getting your settlement paid out.

Case Study: How We Helped a Michigan Business Recover $750,000 More Than the Insurer Offered

A large commercial property in Michigan suffered major roof and structural damage after a severe summer storm. The insurance company initially offered $1.2 million, claiming that some damage was “cosmetic” and not covered.

What We Did:

Conducted an independent inspection that revealed hidden structural issues.
Challenged the insurer’s claim that certain damages were not covered.
Provided detailed repair estimates from independent contractors.
Negotiated a final payout of $1.95 million—an increase of $750,000!

Lesson: The insurance company’s first offer is rarely fair. A public adjuster fights to ensure you get the full amount you deserve.

Don't Face a Large Loss Claim Alone – Call Us Today!

If you’re dealing with a major property loss, you need a team of experts on your side to ensure you receive the maximum payout for your insurance claim.

Call Advocate Claims Services at 855-ACS-2-WIN for a FREE consultation!

Visit us at www.acsadjusters.com to learn more.

Your insurance company has an adjuster—shouldn’t you? Don’t leave hundreds of thousands of dollars on the table. Let us fight for you!