Public Adjusters in Michigan

Yes. In Michigan, a public adjuster is defined as an “Adjuster for the Insured” license type under the Michigan Department of Insurance and Financial Services (DIFS). You must hold that license to contract with and represent insureds for fire and other hazards.

• Reviewing your insurance policy to determine coverage, exclusions, and obligations.
• Inspecting and documenting the damage to your property (residential or commercial).
• Preparing and submitting the insurance claim, including repair/replace estimates.
• Negotiating with your insurance company to pursue a full and fair settlement on your behalf.

• Applicants must be at least 18 years old and possess good moral character, business reputation, and knowledge of the insurance terms and Michigan insurance law.
• Apply through the DIFS (or via NIPR for non-resident licensing) and pay required fees (application fee $15 for many adjuster types).
• Pass any required examination (depending on the authority sought).
• Renew the license every two years (based on DIFS publications).

• The contract with a public adjuster must be in writing.
• The adjuster’s fee cannot exceed 10 % of the amount paid by the insurer in settlement of the loss (for the adjuster’s services) in many situations under Michigan’s law and DIFS guidance.
• The insured has the right to cancel the contract; for residential contracts solicited at the homeowner’s residence, there’s a 3-day right to cancel.

• Storm and wind damage (including frozen pipe bursts in winter).
• Fire and smoke damage.
• Water intrusion, burst pipe/freeze damage, structural damage.
• Business interruption claims for commercial property owners.

• You have substantial or complex damage (e.g., major storm, fire, commercial property loss).
• You believe the insurer’s settlement offer is too low or you’re unsure about your policy coverage.
• You would prefer professional help managing the claim process, documentation, and negotiations.