*Depreciation Guides are for informational purposes ONLY. They are only meant to provide you with an
idea of average life expectancies for the listed items. Actual depreciation taken on a claim is calculated
dependant upon many other factors than just age, including overall condition, obselence, etc.
About Policyholder University©
In some circumstances, you can find the answers you are looking for, if you spend a
little time and read your policy. Believe it or not, but you are expected to read your
insurance policy. We strongly recommend you read through your insurance policy and
get familiar with it. After all, it is a contract and you should want to know what you are
paying your premiums for.
By spending some time and reading through your insurance policy, you will not be so
surprised when you have a claim and the company adjuster tells you what is and is not
covered under the terms and conditions of your policy.
Today, information is at our fingertips, yet many of us don't take the time, or don't know
what to do or where to start. When it comes to knowing what your insurance policies
cover and what they don't, your agent is a good second step, after you've done some
homework. It is unrealistic, however, to expect your agent to be an expert in the
complex nuances and intricacies between this policy or that policy. Agents are sales
people and they play a vital role in helping people acquire affordable insurance and
understand baisc policy information, but they don't get paid to interpret policy language
or applicable coverage and damages. They make their living by selling... period.
Martell Claims, Inc. provides a value-added, FREE educational service.
Policyholder University© is another resource you can explore for information on many
topics regarding the insurance industry and property claims. Not only are we
committed to the prudent adjustment of claims, we strongly believe that educated
consumers are the best customers. That is why we are committed to improving the
public's knowledge and perception of the insurance claims industry.
Through Policyholder University© everyone who wants to learn about the insurance
claims industry can easily do it. Policyholder University© is a resource to assist you
with your search. You can watch informational videos regarding common insurance and
property claim-related questions and concerns, get helpful information about the
insurance industry, find answers to many homeowners' questions, and review
life-expectancy and depreciation guides for many household items. You can even
check the weather.
We are constantly researching new topics, ideas, and issues of relevance to share and
bring more transparancy to the world of insurance, at least with regards to residential
and commercial property claims. We welcome any questions, input or feedback..
Click any of the following to get started...
Michigan's Fire Insurance
Withholding Program - If
you have suffered a fire loss
and you live in Michigan, a
portion of your claim
settlement may be sufject
to seizure by the the city
you live in. Click the link
below to find more about
Michigan's Fire Insurance
Program and see if your
city or town participates in
For Martell Claim's, Inc.
Clients Only - If your
claim is being handled by
Martell Claims, Inc. then
you can utilize our claim
form templates to help in
the documentation and
processing of your claim.
Click the link below to
access our claim forms.
"Helping insurance companies and their clients navigate the claim process..."
Please be advised that since Policyholder University© is a free service open to the public, by
clicking on the "Post a Question or Comment" button below, you Confirm that YOU consent to and
authorize US to share your post publicly on our website, blog, or other form of public dissemination that
we choose appropriate. We do not share any personal information or email addresses, period.
P.O. Box 23123
Dearborn, MI 48123
Ph: (313) 274-9900
Fax: (313) 274-9901
Copyright © 2015
Martell Claims, Inc.
All rights reserved.