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## Posts

- [Michigan and Ohio Water Damage Insurance Claims](https://fabiansklar.com/catastrophic-flooding-michigan-ohio-insurance-claims/) - Michigan & Ohio Flooding: What Homeowners Must Know About Insurance Claims After Catastrophic Storms Recent catastrophic flooding in Washington State highlights the growing risks facing commercial building owners and homeowners, including in the Midwest. Like what we are seeing in Washington's catastrophic floods, extreme rainfall leads to Michigan flood insurance claims, Ohio flood insurance claims,
- [Property Insurance Claims: State of the Law in Michigan, Ohio and Nationally](https://fabiansklar.com/property-insurance-claims-state-of-the-law-in-michigan-ohio-and-nationally/) - Property Insurance Claims: U.S., Michigan, and Ohio — What’s Most Frequent and Most Costly Property insurance losses in the United States are driven by a handful of major perils. Below we break down the most frequent causes of property loss claims and the most expensive types of claims (by average cost and total impact), for
- [Boat Insurance Lawyer in Michigan & Ohio – Navigating Yacht Damage Claims and Maritime Law](https://fabiansklar.com/michigan-ohio-boat-insurance-yacht-damage-claims-boat-and-yacht-damage-insurance-claims/) - Navigating Boat and Yacht Damage Insurance Claims in Michigan & Ohio High-value boats and yachts require specialized insurance – and specialized legal insight when things go wrong. Boat owners in Michigan and Ohio enjoy the Great Lakes and inland waterways, but when disaster strikes – fire, storms, sinking, theft, or even damage from negligent storage
- [Understanding Different Types of Insurance Coverage](https://fabiansklar.com/understanding-different-types-of-property-insurance-coverage/) - Why Understanding Property Insurance Coverage May Require Expert Legal Insight in Michigan Renovating a historic home. Owning a custom-built lakefront property. Operating a high-end business space. These investments deserve tailored protection—but standard property insurance coverage often falls short. Too many Michigan property owners discover after the fact that their property insurance coverage policy excludes critical
- [What to Do If Your Insurance Company Won’t Settle Your Claim in Michigan](https://fabiansklar.com/what-happens-if-insurance-doesnt-want-to-settle-in-michigan/) - What to Do If Your Insurance Company Won’t Settle Your Claim in Michigan If your Michigan home or business has suffered serious property damage—whether from a fire, flood, or storm that caused trees to fall on your house or tear off your roof—you’re counting on your insurance company to step up. But what if they
- [Maximizing Business Interruption Claims for Michigan Companies](https://fabiansklar.com/michigan-business-interruption-claim/) - Maximizing Business Interruption Claims for Commercial Business Clients in Michigan, Ohio and around the Country Business interruption claim success starts with one move—call Fabian Sklar King & Liss before you speak to the insurer. We have decades of history representing commercial property and business owners in property insurance loss claims litigation and accompanying business interruption
- [Faces of Fire Law - Detroit dBusiness](https://fabiansklar.com/fire-law/) - Faces of Fire Law – DBusiness Faces of DBusiness Law 2024 Special Section FABIAN, SKLAR, KING & LISS, P.C. 33450 W. 12 MILE ROAD, FARMINGTON HILLS, MI 48331 *248-553-2000 | FABIANSKLAR.COM For nearly 40 years, Fabian, Sklar, King & Liss, P.C., has been a trusted advocate in metro Detroit and throughout Michigan for homeowners and
- [Examination Under Oath Michigan: Protect Your Rights & Maximize Your Claim](https://fabiansklar.com/examination-under-oath-michigan/) - Examination Under Oath Michigan: What to Expect and How to Protect Your Claim If your insurance company has scheduled an Examination Under Oath in Michigan, your financial recovery is now at risk. These proceedings are not routine. They are high-stakes legal interrogations—conducted by the insurer’s attorney, recorded word-for-word by a court reporter, and designed to
- [How to Protect Your Property from Damage and Avoid Insurance Claims](https://fabiansklar.com/how-to-protect-your-property-from-damage-and-avoid-insurance-claims/) - How to Protect Your Property from Damage and Avoid Insurance Claims Protecting your home or business from property damage is essential in Michigan, where unpredictable weather, aging infrastructure, and seasonal extremes increase the risk of losses. While insurance exists to protect you when disaster strikes, there are steps that every policyholder should take to reduce
- [House Fire Claims | Michigan & Ohio Insurance Claim Guide](https://fabiansklar.com/house-fire-lawyer-michigan-ohio-insurance-claim-guide/) - House Fire Claims. Michigan & Ohio Insurance Claims Guide The house fire lawyers of Fabian, Sklar, King & Liss regularly get calls from families whose homes and lives were up-ended overnight by flames, smoke, and water damage. In nearly every case, our house fire lawyers step in because the insurer is slow-paying, under-paying, or wrongfully
- [What Types of Storm Damage Does Homeowners Insurance Cover?](https://fabiansklar.com/what-types-of-storm-damage-does-homeowners-insurance-cover/) - What Types of Storm Damage Does Homeowners Insurance Cover? Michigan weather has never been predictable. In the same year, homeowners may face severe thunderstorms, straight-line winds, hailstorms, tornado remnants, heavy snowfall, and sudden temperature swings that turn slush into ice overnight. These events frequently cause major property damage, and navigating your Michigan homeowners insurance policy
- [Fire Prevention Week Fire Safety Tips](https://fabiansklar.com/fire-prevention-week-what-you-need-to-know-to-stay-safe/) - Fire Prevention Week Fire Safety Tips Every October, the National Fire Protection Association (NFPA) sponsors Fire Prevention Week to remind Americans that a single overlooked hazard—a dead smoke-alarm battery, an overloaded extension cord, a candle left burning—can turn a comfortable home or a thriving business into a total-loss claim in minutes. Fabian, Sklar, King & Liss
- [Common Causes of Property Damage in Michigan and How to File an Insurance Claim](https://fabiansklar.com/common-causes-of-property-damage-in-michigan-and-how-to-file-an-insurance-claim/) - Common Causes of Property Damage in Michigan and How to File an Insurance Claim Introduction: Michigan Weather, Accidents, and Property Damage Michigan homeowners know that property damage can strike unexpectedly. From brutal winter storms to sudden summer derechos, our state’s unique climate poses serious risks to homes and businesses. Even non-weather incidents like propane tank
- [Water Damage Claims in Michigan: Critical Information Property Owners Must Understand](https://fabiansklar.com/water-damage-claims-in-michigan-what-homeowners-need-to-know/) - Water Damage Claims in Michigan: Critical Information Property Owners Must Understand Water damage is one of the most common—and most expensive—perils Michigan and property owners across the country face. From burst pipes during bitter winters to sewer backups after intense storms, these losses can escalate quickly into major structural problems and costly mold remediation. Filing
- [How Long Does an Insurance Company Have to Settle a Homeowners Insurance Claim in Michigan?](https://fabiansklar.com/how-long-does-an-insurance-company-have-to-settle-homeowners-insurance-claims-in-michigan/) - How Long Does an Insurance Company Have to Settle a Homeowners Insurance Claim in Michigan? After suffering major damage from a fire, storm, or flood, most Michigan homeowners assume their insurer will act quickly. But too often, claimants are left waiting—while insurers delay, underpay, or ignore their responsibilities. At Fabian, Sklar, King & Liss, we
- [How to Negotiate Property Damage with Insurance in Michigan](https://fabiansklar.com/how-to-negotiate-property-damage-with-insurance-in-michigan/) - Why You Need Legal Help to Negotiate Property Damage Claims in Michigan Negotiating a property damage claim in Michigan is never just about paperwork. Insurance companies are trained to delay, devalue, and deny—especially when high-value homes or commercial properties are involved. Without experienced legal counsel on your side, you risk walking away with far less
- [Denied Insurance Claim in Michigan? How to Appeal Effectively and Properly Document Your Property Damage](https://fabiansklar.com/denied-claim-how-to-appeal-a-property-insurance-decision/) - DENIED CLAIM? HOW TO APPEAL A PROPERTY INSURANCE DECISION Receiving a denial from your insurance company after a major property loss can feel like a second disaster. You’ve paid your premiums and acted in good faith—only to be told you’re not covered. Unfortunately, claim denials are common in Michigan, especially when documentation is incomplete or
- [Documenting your property damage: tips for taking photos and inventories](https://fabiansklar.com/documenting-your-property-damage-tips-for-taking-photos-and-inventories/) - Documenting your Property Damage: Tips for Taking Photos and Inventories When disaster strikes, filing an insurance claim is only step one. The real battle is proving the value of your loss. Incomplete evidence invites delays, lowball offers, or denials. Our attorneys transforms chaotic scenes into organized, irrefutable proof so Michigan policyholders get every dollar they’re
- [Denied Claim? How to Appeal a Property Insurance Decision](https://fabiansklar.com/denied-claim-how-to-appeal-a-property-insurance-decision-2/) - Denied Claim? How to Appeal a Property Insurance Decision Receiving a denial from your insurance company after a major property loss can feel like a second disaster. You’ve paid your premiums and acted in good faith—only to be told you’re not covered. Unfortunately, claim denials are common, especially when documentation is incomplete or insurers misconstrue
- [What to do After a disaster: a step-by-step guide to filing a property insurance claim](https://fabiansklar.com/what-to-do-after-a-disaster-a-step-by-step-guide-to-filing-a-property-insurance-claim/) - What to Do After a Disaster: Step-by-Step Guide to Filing a Property Insurance Claim in Michigan From electrical explosions to ice-dam roof collapses, disasters strike Michigan homes and businesses without warning. The first hours can determine whether your insurance claim is paid in full or bogged down, underpaid, or denied. Follow the structured approach below—then
- [Home Fire Prevention Tips](https://fabiansklar.com/home-fire-prevention-tips-2/) - Winter Fire Safety: Why Cold-Weather Claims Spike—and How to Protect Your Rights Home-heating equipment, overloaded circuits, neglected chimneys, and improvised holiday lighting make December through March the most dangerous stretch for residential and light-commercial fires in Michigan. In this WXYZ-TV segment, partner
- [5 Common Reasons Michigan Property Insurance Claims may be Denied](https://fabiansklar.com/5-common-reasons-michigan-property-insurance-claims-may-be-denied/) - 5 Reasons Michigan Property Insurance Claims May Be Denied Waiting for an insurance payout only to receive a denial can be financially devastating. In Michigan, insurers must handle valid claims “promptly and in good faith,” yet carriers routinely reject or underpay for technical reasons. Below we unpack the five most frequent denial tactics we see
- [Ensuing Damages Key in Insurance Dispute](https://fabiansklar.com/ensuing-damages-key-in-insurance-dispute/) - Ensuing Damages Win: How Fabian, Sklar, King & Liss Secured $5 Million for a Michigan Homeowner Insurers love boilerplate exclusions—until a court enforces the fine print in favor of policyholders. In Farm Bureau Gen. Ins. Co. of Mich. v. Reemmer, our managing partner, Jason J. Liss and our team transformed a $414 k payout into
- [Fighting Unfounded Arson and Fraud Allegations in Fire Insurance Claims](https://fabiansklar.com/arson-fraud-insurance-claims/) - Arson and Fraud Insurance Claims: How to Defend Your Fire Loss and Win If your insurer has hinted at arson and fraud insurance claims after a catastrophic fire, your coverage—and reputation—are on the line. Business owners and high-value homeowners trust Fabian Sklar King & Liss to push back, prove the truth, and force carriers to
- [Why Do Insurance Companies Drag Out Settlements?](https://fabiansklar.com/why-do-insurance-companies-drag-out-settlements/) - Why Do Insurance Companies Drag Out Settlements? When your home or business suffers serious property damage, you expect your insurance company to respond quickly. Unfortunately, many insurers use delay tactics to drag out settlements, causing financial strain, confusion, and unnecessary hardship. Knowing why insurance companies delay claims—and how to fight back—can help you protect your
- [What Is Insurance Agent Negligence, and Can You Sue Your Insurance Agent in Michigan?](https://fabiansklar.com/what-is-insurance-agent-negligence-and-can-you-sue-them-in-michigan/) - What Is Insurance Agent Negligence and can you sue them in Michigan? Insurance agent negligence in Michigan can devastate policyholders when coverage gaps surface after a loss. When you purchase a homeowners, commercial, or property-insurance policy, you rely on a licensed agent to secure the right coverage. If that agent’s mistake leaves you under- or
- [Fire and Smoke Damage: Filing a Property Insurance Claim in Michigan](https://fabiansklar.com/fire-and-smoke-damage-filing-a-property-insurance-claim-in-michigan/) - Fire and Smoke Damage: Filing a Property Insurance Claim in Michigan A single spark can upend your life. Flames destroy prized belongings; acidic smoke seeps into walls, furniture, and clothing, leaving thousands in cleanup costs. Your homeowners policy should pay—but carriers routinely delay, deny, or low-ball valid claims. Homeowners don’t need a DIY checklist—they need
- [What to Do if Your Property Insurance Claim is Denied in Michigan](https://fabiansklar.com/what-to-do-if-your-property-insurance-claim-is-denied-in-michigan/) - What to Do if Your Property Insurance Claim is Denied in Michigan When disaster damages your home or business, a denied insurance claim can feel devastating. Unfortunately, claim denials are common across Michigan—especially when policies are complex, damage is extensive, or insurers apply exclusions unfairly. At Fabian, Sklar, King & Liss, we’ve helped policyholders across
- [How Does Insurance Pay Out After a Fire? (And How Michigan Homeowners Can Avoid Underpaid Claims)](https://fabiansklar.com/how-does-insurance-pay-out-after-a-fire-and-how-michigan-homeowners-can-avoid-underpaid-claims/) - How Does Property Insurance Pay Out After a Fire? How Business & Homeowners Can Avoid Underpaid Claims. Even a small house fire or partial building fire causing smoke damage, can leave behind extensive damage and expensive repairs. As a Michigan homeowner or commercial property owner, you rely on your homeowners or commercial business property insurance
- [Annual Smoke Alarm Donations to the Detroit Fire Department](https://fabiansklar.com/law-firm-donates-500-smoke-alarms-to-detroit-fire-department/) - Every Detroit home deserves to be safe. Our Law Firm donates brand new fire & smoke alarms annually. Giving back is important to the our attorneys and we believe that we best be of service to the greater community in the area we know best – advocating for fire safety. During National Fire Prevention Week,

## Pages

- [Home](https://fabiansklar.com/) - PROVEN RESULTS Over $500 Million paid in property insurance claims for Commercial Building and Homeowners What We Do Property insurance claims attorneys We represent homeowners, commercial property owners, and businesses who have claims against their insurers after suffering losses from fire, water, storm or other covered perils. With our advice and guidance from our Michigan-based
- [About Us](https://fabiansklar.com/about-us/) - About Us Our strength is our people. Each partner and associate brings deep trial experience and a commitment to personal service. Who We Are Fabian, Sklar, King & Liss is Michigan’s leading property insurance and fire-loss law firm. For more than 40 years, we have represented policyholders and businesses in complex claims against insurance companies.
- [Fire Insurance Claims](https://fabiansklar.com/practice-areas/property-insurance-claims-attorneys-michigan/fire-insurance-claims-attorneys-michigan/) - Fire Insurance Claims A fire is one of the most devastating events a property owner can face. Many of our fire cases are also the devastating aftermath of an explosion, causing tremendous damage and loss. For nearly four decades, the Michigan Fire Insurance Claim Attorneys of Fabian, Sklar, King & Liss, P.C. have secured over
- [Jason J. Liss](https://fabiansklar.com/about-us/attorney-jason-j-liss/) - Jason J. Liss Attorney at Law. Managing Shareholder | Licensed in Michigan & Ohio | Consulted Nationwide on Large Fire, Property Damage & Insurance Disputes Linkedin X-twitter Jason J. Liss is the Managing Shareholder of Fabian, Sklar, King & Liss, P.C., where he has built a nationally respected property insurance claims litigation practice focused exclusively on
- [In the Community](https://fabiansklar.com/in-the-community/) - In the Community How our Michigan Insurance Claim Attorneys proudly give back We are committed to justice — in and beyond the courtroom. At Fabian, Sklar, King & Liss, P.C., our Michigan Insurance Claim Attorneys believe that our work doesn’t end with a legal victory. We are proud to support the communities we serve –
- [Property Insurance Claims](https://fabiansklar.com/practice-areas-property-insurance-claims-attorneys-michigan/practice-areas-property-insurance-claims-attorneys-michigan/) - Property Insurance Claims We handle a full range of property-insurance claims: from business interruption and lost income to additional living expenses (ALE) and specialized coverage such as Jewelers Block policies. Whatever the cause or complexity, if your insurer is delaying, denying or underpaying, we have the experience to help. Building Collapse Claims Structural collapses can
- [Results](https://fabiansklar.com/results/) - Results Over $500 Million paid to our Property Insurance Claims Clients For nearly four decades, the attorneys of Fabian, Sklar, King & Liss have secured outstanding results for homeowners, businesses, and families facing catastrophic property losses and denied insurance claims. Now led by Managing Partner Jason J. Liss, over our 40 year history, our litigation attorneys
- [Contact Us](https://fabiansklar.com/contact-us/) - Get In Touch with Us Contact Details New Address : 31440 Northwestern Hwy #100 Farmington Hills, MI 48334 Number : (248) 553-2000 Email : info@fabiansklar.com Office Hours 8:00am-6:00pm Monday-Friday Follow Us Linkedin-in X-twitter Request Your Complimentary Case Review Please enable JavaScript in your browser to complete this form.Name *FirstLastEmail *Telephone NumberComment or Message Submit
- [Insights](https://fabiansklar.com/blog/) - Insights From our Michigan Property Insurance Claim Attorneys Drawing on decades of experience in property insurance claims, fire and explosion litigation, and business interruption disputes, our insurance claim lawyers share expert legal analysis and timely updates that matter to homeowners, businesses, and referring attorneys. Explore articles that explain how to handle denied insurance claims, respond to storm
- [Patrick A. King](https://fabiansklar.com/attorney-patrick-a-king/) - Patrick A. King – Of Counsel Linkedin Trusted Advisor Retired litigator Patrick A. King, now Of Counsel to Fabian, Sklar, King & Liss, brings 47+ years of property insurance litigation victories and expert investigation insight to property loss claims. After many years as a property claims attorney at Fabian, Sklar, King & Liss, Patrick
- [Michael H. Fabian](https://fabiansklar.com/attorney-michael-h-fabian/) - Michael H. Fabian – Of Counsel Linkedin Biography A founding shareholder of Fabian, Sklar, King & Liss, Michael H. Fabian spent four decades winning complex property-insurance disputes for Michigan families and businesses. Today, he consults on high-stakes appellate matters and policy-coverage questions, drawing on a legacy that includes landmark wins before the Michigan Supreme Court
- [Insurance Agent Negligence](https://fabiansklar.com/practice-areas/insurance-agent-negligence-attorneys-michigan/) - Insurance Agent Negligence What Is Insurance Agent Negligence? Insurance agents have a professional duty to secure the property insurance claims coverage you need — and to explain what your policy does and doesn’t protect. When they fail to do that, and you suffer a financial loss, it may be considered negligence. Our insurance agent negligence
- [Practice Areas](https://fabiansklar.com/practice-areas/property-insurance-claims-attorneys-michigan/) - Practice Areas Property Insurance Claims Denied, delayed or under-paid property claim? Our property-insurance attorneys fight carriers statewide—fire, water or storm losses—to maximize your payout, fast. Learn More Fire Insurance Claims Business, house or structure fire? Our fire-loss attorneys document smoke, heat, and soot damage, challenge low valuations, and force insurers to pay full replacement cost.
- [Don Fulkerson](https://fabiansklar.com/attorney-don-fulkerson/) - Don Fulkerson – Of Counsel Don Fulkerson is a nationally respected appellate attorney and has been a cornerstone of Fabian, Sklar, King & Liss’s litigation team. Since 1984, he has represented plaintiffs in hundreds of civil appeals across Michigan courts, the U.S. Court of Appeals for the Sixth Circuit, the Michigan Supreme Court, and the
- [Stuart A. Sklar](https://fabiansklar.com/attorney-stuart-a-sklar/) - Stuart A. Sklar Linkedin Stuart A. Sklar is a founding partner of Fabian, Sklar, King & Liss, P.C., and a nationally respected fire and explosion litigation attorney with more than 40 years of experience representing homeowners, businesses, and victims of catastrophic property loss. He has handled hundreds of complex claims involving fires, explosions, gas leaks,
- [Accessibility Statement](https://fabiansklar.com/accessibility-statement/) - Accessibility Statement Fabian Sklar King & Liss is committed to ensuring digital accessibility for people with disabilities. We are continually improving the user experience for everyone and applying the relevant accessibility standards. Conformance status The Web Content Accessibility Guidelines (WCAG) defines requirements for designers and developers to improve accessibility for people with disabilities. It defines
- [Ohio Property Insurance Claims](https://fabiansklar.com/ohio-property-insurance-claims-attorneys/) - Ohio Property Insurance Claims Welcome to Fabian, Sklar, King & Liss, Ohio’s trusted law firm for first-party property insurance litigation. With over 150 years of combined experience and hundreds of millions recovered for policyholders, we proudly serve Ohio homeowners, business owners and public adjusters statewide, from Cleveland to Cincinnati and beyond. Decades of Experience, Singular Focus
- [Fire & Explosion Injury & Death](https://fabiansklar.com/practice-areas/injury-death-cases-attorneys-michigan/) - Fire & Explosion Injury & Death Few tragedies are as devastating as a fire or explosion and, in seconds, lives are shattered. At Fabian Sklar, King & Liss, P.C., we have spent decades standing with victims and families through these unimaginable events, combining compassion with unmatched experience in fire and explosion litigation. The Impact of Fires and Explosions Each year,
- [Water Damage Claims](https://fabiansklar.com/practice-areas/property-insurance-claims-attorneys-michigan/water-insurance-claims-attorneys-michigan/) - Water Damage Insurance Claims Why You Need a Specialized Water Damage Insurance Claim Attorney Water damage insurance claims are among the most common and most complex property claims. Michigan’s unpredictable weather, aging infrastructure and confusing policy language make it easy for insurers to deny or underpay valid losses. With extreme rainfall events now 42% more
- [Storm Damages Claims](https://fabiansklar.com/practice-areas/property-insurance-claims-attorneys-michigan/storm-insurance-claims-attorneys-michigan/) - Storm Damage Storm Damage Insurance Claims Attorneys in Michigan — If your property was damaged by wind, hail, or a tornado, our Storm Damage Insurance Claims Attorneys can help you recover every dollar your policy promises. At Fabian, Sklar, King & Liss, P.C., our storm damage insurance claim attorneys help policyholders recover full compensation for storm-related
- [Elizabeth A. King](https://fabiansklar.com/attorney-elizabeth-a-king/) - Elizabeth A. King Linkedin Elizabeth A. King concentrates her practice on representing policyholders in complex property-insurance disputes—including fire, water, and explosion claims—throughout Michigan. With more than a decade of civil-litigation experience and an extensive background in insurance-defense work, Elizabeth offers clients an insider’s perspective on how carriers value claims and craft coverage denials. Prior to
- [Fire Law Team](https://fabiansklar.com/fire-law-team/) - Welcome to The Fire Law Team. The Fire Law Team is powered by the attorneys of Fabian, Sklar, King & Liss, a Michigan based property insurance claims law firm, in existence for nearly 40 years and exclusively representing business and homeowners in first party property insurance claims. We are always on the side of policyholders
- [FAQ](https://fabiansklar.com/faq/) - Frequently Asked Questions What should I do if my property insurance claim is denied? Call our attorneys for a review of your policy, rights under the laws of your jurisdiction and we will help determine whether you have a cause of action against your insurance company in court. Where do you represent clients? Our attorneys

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