Water & plumbing losses
Burst pipes, failed plumbing systems, overflows, hidden damage and the documentation your water claim needs.
Get claim help →YOUR INSURANCE COMPANY HAS ADJUSTERS.YOU SHOULD TOO. WE ADVOCATE FOR YOU!
Fighting for you with the Hart of a Lion
Hart Public Adjusting represents homeowners, property owners and businesses—not insurance companies. We help you understand the policy, document the damage and pursue a fair, properly supported claim.
Policyholder advocateResidential & commercialBased in Southfield, Michigan
Property claim help throughout Michigan & Ohio
Damage is stressful. Your claim process doesn’t have to be confusing.
From the first inspection through estimates, contents, additional living expenses, depreciation and supplements, Hart Public Adjusting keeps the claim organized and the policyholder informed.
How we help
Claim support built around the whole loss.
We combine education, careful documentation and persistent follow-up so your claim tells the full story of what happened and what it will take to recover.
Fire & smoke damage
A complete look at structural damage, contents, smoke, soot, odor, additional living expenses and restoration scope.
Get claim help →Wind, hail & storm
Roof, siding, gutter and interior damage documented with the full property—not just the obvious impact—in view.
Get claim help →Denied & underpaid claims
A careful review of the policy, carrier position, estimates, evidence and claim history to identify the next best step.
Get claim help →Commercial property claims
Organized claim representation for businesses, landlords, churches, nonprofits and multifamily property owners.
Get claim help →Free policy & claim review
Understand your policy, your claim and your options before important deadlines or decisions are missed.
Get claim help →The Hart approach
Educate first. Document thoroughly. Advocate with purpose.
Insurance claims come with deadlines, technical language and competing estimates. Valencia Hart brings an organized, people-first approach to help policyholders understand each decision before moving forward.
Meet Valencia Hart →- 1
Listen & review
We learn what happened and review the policy, carrier documents and current claim position.
- 2
Inspect & organize
We identify missing documentation, coordinate the appropriate professionals and build the claim file.
- 3
Present & advocate
We communicate the supported scope, follow up on open items and keep you informed.
Local knowledge matters
All of Michigan. All of Ohio. On your side.
Based in Southfield, Michigan, Hart Public Adjusting travels throughout Michigan and Ohio to help homeowners and property owners. We have a special focus on Metro Detroit’s tri-county area—Wayne, Oakland and Macomb counties—and serve communities including Detroit, Grand Rapids and Saginaw. Wherever you are in Michigan or Ohio, contact us for a free claim review.
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Fighting for you with the Hart of a Lion. You deserve to understand your coverage and be heard throughout your claim.
Valencia “Val” Hart
Founder & Licensed Public Adjuster
Ask Val: claim education
Three questions to ask before accepting a claim decision.
Does the estimate include every damaged area?
Were contents, ALE, code upgrades and specialty inspections considered?
Do I understand the deadline for depreciation, proof of loss or appeal?
Your next step can be simple
Not sure whether your claim is on the right track?
Tell us what happened. We’ll start with a free, no-pressure review of your property claim and explain what deserves a closer look.
Call 833-VAL-HARTRequest a review onlineServing homeowners, landlords, businesses, churches and property owners throughout Michigan and Ohio.