(586) 277-1069
24/7 Emergency — Tap to Call
Services
Water Damage Help
Service Area
Company
13854 Lakeside Circle, Suite 558
Sterling Heights, MI 48313
Insurance & Coverage
We document every water, fire, mold, sewage, and storm loss in itemized scope format and Xactimate reconstruction estimates for direct submission to your insurance carrier. Below is the comprehensive list of 80+ Michigan carriers we routinely document for — including parent carriers and their subsidiary policy-issuing entities.
The Michigan Department of Insurance and Financial Services (DIFS) lists 100+ companies licensed to write personal residential property insurance in the state. Below is the comprehensive list Prime Restoration most often documents losses for — including parent carriers and their subsidiary policy-issuing entities.
Coverage decisions, deductibles, and settlement amounts are made solely by the insurance carrier after their own inspection. Prime Restoration is not an insurance agent, broker, or public adjuster. We document the loss in writing for the homeowner and their carrier.
The carriers writing the largest share of Michigan home policies.
One of the largest homeowners insurance writers in Michigan. We document water, fire, mold, sewage, and storm losses in standard scope and Xactimate format for State Farm policyholders across Macomb and Oakland County.
Auto Club Insurance Association (AAA Michigan) is headquartered in Dearborn and writes a large share of Michigan home policies. We document losses in itemized scope format for AAA policyholders.
Headquartered in Lansing, Michigan, and one of the largest property carriers in the state. We document mitigation and reconstruction scope in Xactimate for Auto-Owners home policyholders.
A top-five national carrier with deep Michigan presence. We deliver itemized scope and Xactimate reconstruction estimates that match what Allstate adjusters review on the rebuild side.
A national carrier active across Macomb and Oakland County. We document the full loss in writing — wet materials, demolition, drying days, and Xactimate reconstruction lines.
A top-five national homeowners writer with broad Michigan distribution. We document losses in itemized scope and Xactimate format for Liberty Mutual policyholders across Macomb and Oakland County.
A top-tier national property carrier active in Michigan through independent agents. We document the full loss in writing for Nationwide home policyholders.
A top-five national property carrier with a strong Michigan home book. We document losses in standard scope and Xactimate format for Travelers home policyholders.
Progressive home (Progressive Home / ASI) is active in Michigan. We document losses in itemized format for direct submission to Progressive on the homeowner’s behalf.
Military and veteran-family carrier active in Michigan. We document losses in writing for USAA policyholders, including detailed photo logs and Xactimate reconstruction scope.
Citizens (a Hanover Insurance Group brand) has a long-standing Michigan presence. We document the loss in itemized scope and Xactimate format for Citizens / Hanover policyholders.
Headquartered in Auburn Hills, Michigan, Meemic writes home policies for educators and their families. We document losses in standard scope format for Meemic policyholders.
Carriers headquartered in Michigan or with major Michigan offices and in-state distribution.
Lansing-based mutual carrier writing home policies across rural and suburban Michigan. We document mitigation and reconstruction scope for Farm Bureau policyholders.
Headquartered in Hastings, Michigan. We document water, fire, mold, sewage, and storm losses in itemized scope format for Hastings Mutual policyholders.
Headquartered in Flint, Michigan. We document the full loss in writing for Pioneer State Mutual home policyholders, including Xactimate reconstruction estimates.
Headquartered in Frankenmuth, Michigan. We document mitigation work and Xactimate reconstruction scope for Frankenmuth Insurance home policyholders.
Headquartered in Dowagiac, Michigan. We document losses in standard scope format for Wolverine Mutual policyholders across the state.
Headquartered in Fremont, Michigan. We document mitigation invoices, daily moisture logs, and Xactimate reconstruction estimates for Fremont Insurance policyholders.
A regional Michigan property writer. We document losses in itemized scope format for Michigan Insurance Company policyholders.
Midwest regional carrier with Michigan policyholders. We document the loss in writing in standard scope and Xactimate format for direct submission.
Headquartered in Farmington Hills, Michigan. We document property losses in itemized scope and Xactimate format for Amerisure policyholders across the state.
Auto Club Group (the AAA-affiliated entity tied to ACIA) writes a substantial Michigan book. We document losses in standard scope and Xactimate format for Auto Club Group policyholders.
Foremost (a Farmers-owned brand) operates a major Grand Rapids, Michigan office and is widely written across the state. We document mitigation and reconstruction scope in itemized and Xactimate format for Foremost policyholders.
A Traverse City, Michigan-headquartered specialty carrier focused on classic and collector properties. We document losses in itemized scope and Xactimate format for Hagerty policyholders.
Top-tier national property carriers and their brand subsidiaries with active Michigan home books.
A Liberty Mutual brand with broad Michigan distribution through independent agents. We document mitigation and reconstruction scope for Safeco home policyholders.
A Pennsylvania-based regional carrier active in Michigan. We document mitigation invoices and Xactimate reconstruction estimates for Erie home policyholders.
A Midwest national carrier active in Michigan. We document the full loss in writing in itemized scope format for American Family home policyholders.
An Allstate-owned independent-agent brand. We document losses in Xactimate format for Encompass home policyholders across Macomb and Oakland County.
A multi-line property carrier active in Michigan through independent agents. We document mitigation and reconstruction scope in standard format for Cincinnati Insurance home policyholders.
A national multi-line carrier active in Michigan. We document the loss in itemized scope and Xactimate format for Kemper home policyholders.
Legacy MetLife home policies (now serviced through Farmers and Brighthouse-related entities) remain in force in Michigan. We document the loss in writing for these policyholders.
A major national multi-line carrier (Hartford Casualty, Hartford Underwriters) writing home in Michigan. We document mitigation and reconstruction scope in itemized and Xactimate format for Hartford policyholders.
A Wisconsin-headquartered Midwest mutual with strong Michigan distribution through independent agents. We document losses in itemized scope and Xactimate format for ACUITY home policyholders.
A direct-writing mutual carrier active in Michigan. We document the full loss in writing for AMICA home policyholders, including itemized mitigation invoices and Xactimate reconstruction estimates.
A Wisconsin-based national mutual writing home policies in Michigan. We document mitigation and reconstruction scope in standard format for Sentry home policyholders.
A national home insurance carrier active in Michigan, distributed both directly and through independent agents. We document losses in itemized and Xactimate format for Stillwater policyholders.
A Farmers-group brand writing in Michigan. We document the loss in itemized scope and Xactimate format for Bristol West policyholders.
A Farmers-owned brand active in Michigan. We document mitigation invoices, daily moisture logs, and Xactimate reconstruction estimates for 21st Century policyholders.
A Farmers-group policy-issuing entity covering Michigan home risks. We document the full loss in writing for Mid-Century policyholders.
An Allstate-owned brand active in Michigan. We document losses in itemized and Xactimate format for National General home policyholders.
Allstate’s digital-first brand, active in Michigan. We document mitigation and reconstruction scope for Esurance policyholders.
An Allstate-affiliated policy-issuing entity. We document the loss in writing in standard scope and Xactimate format for Castle Key policyholders.
American Family’s digital-direct affiliate writing home in Michigan. We document losses in itemized and Xactimate format for IDS / American Family Connect policyholders.
A national property carrier (parent of Citizens, Massachusetts Bay) active in Michigan. We document mitigation and Xactimate reconstruction scope for Hanover home policyholders.
A Hanover Insurance Group subsidiary writing in Michigan. We document the loss in writing in standard scope and Xactimate format for Massachusetts Bay policyholders.
A Nationwide-owned policy-issuing entity covering Michigan home risks. We document mitigation and reconstruction scope in itemized and Xactimate format for Crestbrook policyholders.
A Nationwide-affiliated brand writing in Michigan. We document the full loss in writing for Allied policyholders.
A primary Allstate policy-issuing entity for Michigan home risks. We document losses in itemized scope and Xactimate format for these policyholders.
A regional carrier with Michigan presence. We document mitigation and reconstruction scope in standard format for Tower Hill home policyholders.
Direct-to-consumer, high-net-worth, and specialty home carriers active in Michigan.
A digital-first homeowners carrier active in Michigan. We document mitigation and reconstruction scope in itemized and Xactimate format for direct submission.
A modern, technology-forward home insurance carrier active in Michigan. We document the loss in standard scope format for Hippo policyholders.
A modern, bundled home and auto carrier active in Michigan. We document losses in itemized scope and Xactimate format for Branch policyholders.
A premium homeowners carrier writing through independent agents in Michigan. We document mitigation and reconstruction scope for Openly policyholders.
A high-net-worth specialty carrier active across Michigan. We document the full loss in itemized scope and Xactimate reconstruction estimates for Chubb home policyholders.
A high-net-worth specialty carrier (now PCG / Private Client Select) active in Michigan. We document losses to the standard PCG home policyholders expect on premium properties.
Privilege Underwriters Reciprocal Exchange — a high-net-worth specialty carrier active in Michigan. We document losses in itemized scope and Xactimate reconstruction estimates for PURE policyholders.
A Farmers-group digital brand writing in Michigan. We document mitigation and reconstruction scope in itemized and Xactimate format for Toggle policyholders.
A modern direct-to-consumer home carrier active in Michigan. We document the full loss in writing for Kin home policyholders.
Goosehead is an independent agency that places coverage with multiple partner carriers. We document losses in itemized and Xactimate format for whichever underlying Michigan carrier holds the policy placed through Goosehead.
Additional policy-issuing entities, subsidiaries, and Michigan-licensed brands we document losses for.
...and many more. The Michigan DIFS lists 100+ licensed personal residential property insurers — call us with your carrier name and we'll confirm.
Don't see your carrier? Call (586) 277-1069 — we likely document for them too.
How It Works
Every wet material, every demolition line, every drying day is itemized in writing for the project file.
Reconstruction estimates are written in Xactimate format — the line-item rebuild paperwork Michigan adjusters expect on the rebuild side.
Documentation is delivered directly to your carrier on your behalf. Coverage and payment decisions remain with the carrier.
Frequently Asked
We document losses for every major carrier active in Michigan. The list above is representative, not exhaustive — call (586) 277-1069 to confirm we work with your specific carrier.
Prime Restoration is not a public adjuster and does not advocate or negotiate with insurance carriers on the homeowner's behalf. We document the loss in writing — coverage decisions, deductibles, and settlement amounts are made solely by your carrier after their own inspection. For claim disputes, consult your insurance agent or a licensed public adjuster.
Mitigation work (water extraction, drying, demolition, antimicrobial treatment) is documented with itemized invoices and daily moisture logs. Reconstruction estimates (drywall, flooring, paint, trim, cabinetry) are written in Xactimate format — the standard Michigan adjusters expect on the rebuild side.
Call (586) 277-1069. The list above shows the carriers we most often document for, but Prime Restoration documents losses in standard format that any Michigan carrier can review. Coverage and payment decisions remain with the carrier.
Free on-site estimate. Itemized scope. Xactimate reconstruction estimates. 24/7 emergency dispatch across Macomb and Oakland County.