OUR STORY
ABOUT EMBER CONSULTING
Ember Consulting was created to help homeowners navigate the stressful, overwhelming, and often confusing process that follows a house fire.
After a fire loss, families are suddenly expected to understand insurance coverage, contents inventories, depreciation, replacement cost calculations, documentation requirements, contractor estimates, additional living expenses, and settlement-related decisions — all while coping with the emotional impact of losing their home, belongings, and sense of normalcy.
Ember Consulting provides structured guidance, claim organization support, and educational strategy to help clients better understand the fire claim process, avoid common mistakes, and navigate their claim with greater confidence and preparedness.
What Makes Ember Consulting Different
We are not here to take over your claim — we are here to help you better understand it.
Our approach is built around helping to organize, strategy, and practical fire claim guidance designed to help clients navigate a difficult and often overwhelming process with greater clarity and confidence.
We help clients:
- Better understand what matters within their claim
- Identify potential issues or concerns early
- Avoid common mistakes that may negatively impact documentation or valuation
- Stay organized throughout the claim process
- Respond more effectively to insurance questions and requests
- Understand depreciation, replacement cost, and claim-related documentation
You remain in control of your claim while receiving structured guidance and support throughout the process.
Our Approach
Fire claims are not resolved in one step. They develop over time.
That is why our guidance is provided progressively, helping you focus on what matters most at each stage rather than trying to review everything at once.
We help you:
- Build a strong foundation at the beginning of your claim
- Approach your contents inventory correctly
- Understand insurance responses and valuations
- Identify when something may be undervalued or missing
- Navigate the process step-by-step with clarity
Important Note
Ember Consulting is not a public adjusting firm. We do not negotiate directly with insurance companies, represent clients in a formal capacity, or prepare inventories on behalf of clients.
We provide fire claim guidance, review, strategy, and education so clients can better manage their own claim.
FAQ
Are you a public adjuster?
No. Ember Consulting is not a public adjusting firm. We do not negotiate directly with insurance companies or represent clients in a formal capacity.
We provide guidance, review, and strategy so you can better understand and manage your own fire claim.
Do you build my contents inventory for me?
Ember Consulting does not prepare inventories on behalf of clients, perform inventory
data entry services, negotiate settlements, or act as licensed public adjusters.
Our role is to provide written guidance, organizational support, and educational
consulting to help clients understand the fire claim process, properly document their
losses, and identify potential issues in valuation, depreciation, and claim handling.
Can you talk to my insurance company for me?
Ember Consulting does not communicate, negotiate, or settle claims directly with
insurance companies on behalf of clients.
We provide guidance and support to help clients better understand the claims process, organize documentation, and communicate more effectively throughout their claim.
How is support provided?
Ongoing guidance is through our secure client portal where documents can be
organized and uploaded by both you and us. The portal also includes built-in
messaging, so communication can stay organized in one place instead of getting lost in emails.
You will have access to the portal for your fire claim, allowing you to review documents,
messages, updates, and claim-related information whenever needed.
How quickly do you respond?
Responses are typically provided within 24 hours, Monday through Friday.
Large submissions are reviewed in phases over multiple responses.
Can I send everything at once?
You may submit materials for review, but guidance is provided progressively.
Large submissions are reviewed in phases to keep guidance accurate and manageable.
What type of claims do you help with?
We focus exclusively on fire loss claims, including contents claims, total loss fires, valuation concerns, depreciation issues, and claim strategy.
Do you guarantee a higher settlement?
Ember Consulting does not guarantee claim outcomes, settlement amounts, coveragedeterminations, or insurance company decisions.
Our role is to provide guidance, organizational support, and claim strategy to help clients better understand the process, avoid common mistakes, and more effectively navigate their fire loss claim.
Do I have to start with the setup?
Yes. All clients begin with the Claim Setup & Strategy session so we can understand your situation and provide accurate guidance before ongoing support begins.
What state do you operate in?
Services are currently available only for fire claims located within the State of Michigan.
FAQ > Do you have a physical office location?
Ember Consulting currently operates remotely through phone calls, video meetings, email, and our secure client portal. This allows clients to receive organized guidance and support from anywhere within Michigan throughout the fire claim process.
Currently, in-person meetings are not offered.
Do you help with homeowners and renter insurance policies?
Yes — we help with both homeowners and renters insurance fire claims. Whether you own the property or rent, Ember Consulting provides guided support to help you better understand your claim, organize documentation, review inventories and estimates, and navigate the process with clarity and confidence after a fire loss.
and then one last service attached for a separate category for renters insurance.
