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Michael Stoycheff
Michael Stoycheff

Michael Stoycheff is an Executive Adjuster with American Claims LLC, where he represents residential and commercial policyholders in complex property insurance claims. Drawing on more than 25 years of experience in construction, restoration, insurance adjusting, and claims advocacy, Michael helps clients navigate the claims process and secure fair insurance settlements.

Michael’s background includes hands-on construction of single-family, multi-family, and commercial properties in Ohio, Florida, and Colorado, with a specialization in high-end residential & Commercial construction and restoration. He later managed two large restoration companies in Colorado, giving him extensive expertise in property damage assessment, reconstruction, estimating, and project management.

Before becoming a public adjuster, Michael worked as an independent insurance adjuster in Florida, where he gained firsthand knowledge of the claims handling practices, policies, and procedures of numerous insurance carriers. This unique perspective enables him to evaluate claims from both the insurer’s and policyholder’s viewpoints, helping clients identify overlooked damages, properly document losses, and maximize their insurance recoveries.

Michael is an active member of the National Association of Public Insurance Adjusters (NAPIA) and has served on the Board of Directors for the Rocky Mountain Association of Public Insurance Adjusters (RMAPIA) for 6 years. He is licensed in multiple states and regularly assists homeowners, businesses, condominium and homeowners associations, and commercial property owners with complex property insurance claims, including losses caused by fire, water, wind, hail, and other catastrophic events.

Business Profile
American Claims LLC
Business Type:
  • Commercial Loss Valuation Services,
  • Contents and Inventory Help,
  • Dwelling Loss Valuation Services,
  • Public Adjusting/Claim Representation
State:
  • Arizona,
  • Colorado,
  • Ohio,
  • Oklahoma
Specialty:
  • Homeowners Property Damage Claims
Contact Details
Community Activities
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  • Questions(0)
  • Answers(7)
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 2 years ago • Coverage Question • Nebraska
1562 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
909 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
1083 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
959 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
882 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
1857 views1 answers
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