Helpful videos everybody should watch
Insurance Information Institute - Improving public understanding of insurance
Frequently Asked Questions about Homeowner's Insurance
Michigan's Fire Insurance Withholding Program and what it means to you...
ClaimsPages.com - Contents Depreciation Guide
ClaimsPages.com - Textile Items Life Expectancy Chart
U.S. Dept. of Commerce - National Oceanic and Atmospheric Administration
weather.com - National and Local Weather Forecast...
Insurance History by Wikipedia
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ClaimsPages.com - Contents Depreciation Guide
Helpful videos everybody should watch
Michigan's Fire Insurance Withholding Program and what it means to you...
Frequently Asked Questions about Homeowner's Insurance
*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.
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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 Escrow Withholding Program and see if your city or town participates in it.
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.
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