Michigan Information
A public adjuster is a licensed insurance claims professional who represents the policyholder, not the insurance company. For Michigan commercial property owners, a public adjuster can assist with documenting property damage, interpreting commercial insurance policy language, calculating business-interruption losses, and negotiating a settlement that reflects the full scope of damage caused by fire, wind, water intrusion, freezing, or severe weather events.
Continental Adjusters LLC
info@coadj.com
214-373-6600
Michigan-Specific Rules & Consumer Protections
1. Licensing Requirement
- Michigan requires public adjusters to be licensed under the Michigan Insurance Code and regulated by the Michigan Department of Insurance and Financial Services (DIFS).
→ Michigan DIFS — Adjuster Licensing
2. Application & Qualification Standards
-
Applicants must meet statutory qualifications, submit an application through the state licensing system, complete examination requirements, and comply with renewal standards administered by DIFS.
→ Michigan Insurance Licensing Information
3. Written Contract Requirements
- Public adjuster contracts in Michigan must be in writing and include required disclosures, compensation terms, scope of services, and cancellation rights as established under Michigan law.
→ Michigan Insurance Code — Public Adjusters (MCL 500.1232)
4. Standards of Conduct
- Michigan law requires public adjusters to act in good faith, provide transparent disclosures regarding compensation, and avoid conflicts of interest related to claim handling or repair work.
→ Michigan Insurance Code — Adjuster Conduct Standards
5. Recordkeeping Requirements
- Public adjusters must maintain records of contracts, estimates, claim documentation, and communications for the period required under Michigan insurance regulations.
→ Michigan Department of Insurance and Financial Services — Regulatory Oversight
6. License Verification
- Commercial property owners can verify a public adjuster’s license status and authority using Michigan’s official license lookup system.
→ Michigan License Lookup
When to Consider Hiring a Public Adjuster
A public adjuster may be helpful if:
- Your commercial property has sustained significant damage from fire, windstorms, water intrusion, freezing pipes, or flooding.
- Your claim includes business interruption, loss of rental income, or extra operating expenses.
- The insurer’s estimate appears incomplete or does not fully reflect documented losses.
- Your property involves industrial facilities, manufacturing operations, multi-tenant buildings, hospitality, healthcare, or specialized equipment requiring detailed valuation and documentation.
Resources for Michigan Commercial Property Owners
1. Michigan Department of Insurance and Financial Services (DIFS)
- Regulates public adjuster licensing, contracts, and professional conduct.
2. Michigan License Lookup
- Verify license status and authority of any public adjuster.
3. Michigan Insurance Code (MCL 500.1232)
- Legal framework governing public adjuster licensing, contract requirements, and conduct.
Quick Checklist for Michigan Commercial Property Owners
| Step | Requirement |
|---|---|
| 1 | Document all structural, contents, and business-interruption losses with photos, inventories, invoices, and financial records. |
| 2 | Delay permanent repairs until insurer inspection; retain records for all temporary mitigation work. |
| 3 | Maintain a detailed log of communications with insurers and adjusting professionals. |
| 4 | Verify the adjuster’s license through Michigan’s official license lookup system. |
| 5 | Review the written contract for required Michigan disclosures, fee terms, and cancellation rights. |
| 6 | Choose an adjuster experienced in commercial, industrial, manufacturing, and business-interruption claims. |
| 7 | Request itemized estimates and documentation supporting the scope and valuation of loss. |
Why Partner with Continental Adjusters?
Continental Adjusters supports Michigan commercial property owners by:
- Verifying adjuster licensing and statutory compliance under Michigan law.
- Connecting owners with adjusters experienced in large-loss and complex commercial claims.
- Assisting with documentation, valuation review, and policy interpretation.
- Ensuring claims are organized, compliant, and positioned for a fair settlement.
If your property has been damaged and your claim is complex, large, or contested by your insurance company, partnering with a public adjusters can help level the playing field. In Michigan, you have a legal right to fair claim handling; Continental Adjusters LLC employs reputable, licensed professionals dedicated to providing support through navigation of deadlines, thorough documentation of assets and damages, and ensuring your loss is valued fairly.
Need Help Finding a Public Adjuster in Michigan?
Contact Continental Adjusters LLC today — we are here to help you get the settlement you deserve.
