Storm Damage Insurance Claims in Michigan — Trust Guard Adjusters

Your insurance company has an adjuster working for them. Now you have one working for you.

The storm hit. You filed your claim. The insurance company sent someone out. Now the number they came back with does not match the damage you see every time you walk through your own home.

You are not imagining it.

Trust Guard Adjusters is a Michigan-licensed public adjusting firm that works only for you. We handle your entire storm damage claim from the first inspection through the final settlement. Wind damage, hail damage, roof damage, water intrusion, fallen trees — we handle all of it.

Ryan Donaldson, Licensed Public Adjuster, manages your claim personally. There is no upfront cost. Our fee comes from the settlement we win for you.

Storm damage is one of the most common and most underpaid categories of property insurance claims in the country. The Insurance Information Institute reports that severe storms caused over $64 billion in insured losses in 2023 alone. Despite those numbers, most homeowners accept their first offer without ever questioning it.

Here is why that first offer is almost always too low.

Your insurance company's adjuster works for the insurer. Their job is to close your claim quickly and for as little as possible. Inspections get rushed. Hidden damage gets missed. Depreciation gets applied aggressively. Industry estimates show that up to 60% of storm damage goes undetected during initial insurance inspections — including interior moisture intrusion, underlayment damage beneath shingles, and micro-fractures in roofing materials that will cause problems for years.

A study by the Office of Program Policy Analysis and Government Accountability found that policyholders who used a public adjuster received settlements up to 747% higher on non-catastrophic claims. That is the difference between having someone in your corner and going it alone.

What Trust Guard Does Differently for Storm Damage Claims

We find the damage your insurer missed. We use thermal imaging, moisture detection tools, and professional inspection protocols to uncover hidden wind, water, and structural damage that standard carrier inspections skip.

We build a claim your insurer cannot easily dismiss. Every claim includes a professional Xactimate estimate, detailed photo and video documentation, and a scope of damage report that matches industry standards.

We handle the fight so you do not have to. From filing through negotiation, you never have to call your insurance company. We do it for you.

We reopen claims that were denied or underpaid. If you already received a lowball settlement or a denial letter, we can reopen and renegotiate your claim.

Michigan homeowners face unique storm risks driven by Great Lakes weather patterns — severe thunderstorms, spring hail, straight-line winds, and winter ice storms all cause damage that compounds over time. Your policy covers this damage. The question is whether you are getting paid for all of it.

Types of Storm Damage We Handle

• Wind damage — torn shingles, lifted flashing, compromised siding
• Hail damage — dented gutters, cracked siding, bruised shingles that fail early
• Roof damage — the most commonly undervalued storm damage category
• Water damage — interior flooding and moisture intrusion caused by storm breaches
• Flood damage — typically requires a separate policy. Trust Guard reviews your coverage to identify every dollar available.
• Fallen trees, broken windows, and structural compromise

The Michigan Department of Insurance and Financial Services regulates insurance practices in this state. You have rights as a policyholder. Trust Guard makes sure those rights get enforced.

Four steps. You deal with us. We deal with the insurance company.

Step 1: Free Storm Damage Inspection

We come to your property at no cost and no obligation. We identify visible and hidden damage your insurer's adjuster likely missed, using thermal imaging, moisture meters, and a detailed photo and video walkthrough.

Step 2: Professional Claim Documentation

We prepare an Xactimate estimate — the same software insurers use — and compile every piece of documentation your claim needs to stand up to scrutiny.

Step 3: Filing and Negotiation

We file your claim and manage every conversation with your insurance carrier. We handle supplements, dispute unfair depreciation, and push for the full Replacement Cost Value — the actual cost to repair your property, which your policy guarantees. If your claim was previously denied or underpaid, we reopen it.

Step 4: Maximum Settlement

You get paid what your policy owes you. Not what the insurance company hoped you would accept.

As a licensed public adjuster, Ryan Donaldson is legally required to work for you. You never have to argue with an insurance adjuster on the phone. You never have to guess whether the offer is fair. That is our job.

Michigan law gives you the right to cancel any public adjuster contract within 48 hours. You have nothing to lose by letting us take a look.

Licensed and regulated in Michigan. Trust Guard Adjusters holds a Michigan Series 16-70 Public Adjuster license, regulated by the Michigan Department of Insurance and Financial Services under all state consumer protection rules.

No upfront cost. Ever. We work on contingency. Our fee is a percentage of the settlement we recover for you. Michigan law caps public adjuster fees at 10% of the settlement. If we do not increase your payout, you owe us nothing.

48-hour cancellation right. Michigan law guarantees you can cancel your contract within 48 hours. No penalty, no questions, zero risk.

Your neighbor, not a call center. Trust Guard Adjusters is based in Trenton, Michigan and serves all of Michigan. Ryan Donaldson personally handles your claim. You work with a person, not a queue.

Important: A public adjuster is the only type of insurance adjuster legally required to work for the policyholder. Your insurer's adjuster works for the insurance company. An independent adjuster is contracted by the insurer. Only a public adjuster — like Trust Guard — works for you.

Trust Guard Adjusters handles your entire storm damage claim from inspection to settlement. No upfront cost. Michigan caps our fee at 10%. You can cancel within 48 hours if you change your mind.