User Profile - United Policyholders

Michael Stoycheff

Michael Stoycheff is an Executive Adjuster at Adjusters International/Matrix Business Consulting. Michael has over 15 years of residential and commercial construction experience with a focus on high-end properties and restoration.

Michael has built single and multi-family structures as well as commercial spaces in Ohio, Florida, and Colorado. In this role, he developed a strong knowledge of the insurance restoration industry and eventually ran two large restoration companies in Colorado. Michael was also an independent insurance adjuster in Florida for many years learning the policies and procedures of dozens of insurance carriers. Michael’s unique blend of knowledge and expertise allows him to properly review and adjust insurance claims on as an advocate for his clients.

Community Activities

Deadlines to Submit Contents and Time to Replace Nebraska

Tornado destroyed our house and most contents April 2024 and are on our fifth contents adjuster. The first contents adjuster said that we have one year to complete the inventory of contents. The fourth adjuster said we have a reasonable time to do this and…

Michael Stoycheff answered 1 year ago • Coverage Question • Nebraska

922 views1 answers

Personal Property Inventory / Dwelling

Hello, My family of four was recently displaced from our home due to total loss house fire roughly 5 weeks ago. While we wait for insurance to provide their estimate on repairs, I’ve a few questions. Will we still be able to utilize code update…

Michael Stoycheff answered 2 years ago • Coverage Question • Iowa

652 views1 answers

Sales tax rate for personal property

Hi, Our house was a total loss from the Marshall fire. We live in unincorporated Boulder County. Since we do not receive city services (septic, non maintained gravel road, well), when items are delivered to our home, the tax rate is 5.185%. If we buy…

Michael Stoycheff answered 3 years ago • Coverage Question • Colorado

921 views1 answers

Is an Assignment of Benefits legal in Wyoming?

My client is a General Contractor in Wyoming that provides homeowners with reconstruction on their home during an insurance claim process.

Michael Stoycheff answered 3 years ago • General Question • Wyoming

829 views1 answers

ALE

My insurance company, Country Financial, is covering my ALE until the end of 2023, two years to the date of the Marshall fire. I stayed with a friend the first 6 weeks, and was paid $1500 towards that first 6 week period, which I gave…

Michael Stoycheff answered 3 years ago • Coverage Question • Colorado

791 views1 answers

Freshwater Canals VS. Gulf Access Canals in Cape Coral FL – Hurricane Ian

Hurricane Ian winds blew down my seawall fence. I do not have flood insurance. It is not required at my elevation and location in Cape Coral Fl. My insurance company is questioning my claim for my freshwater seawall canal fence damage. They are claiming it…

Michael Stoycheff answered 3 years ago • Claim Denial • Florida

1471 views1 answers