Michigan Public Adjuster Regulations
Complete guide to public adjuster licensing, fees, and regulations in Michigan. Regulated by the Michigan Department of Insurance and Financial Services (DIFS).
Verify a license with MI DOIFee Structure
10% cap on the amount paid by the insurer in settlement of the loss (MCL 500.1226).
Licensing Requirements
Continuing Education
Michigan does not require continuing education for adjuster license renewal.
Contract Requirements
Written contract on a DIFS-approved Letter of Representation form is required before the adjuster may provide services. Public adjusters cannot represent insureds in workers' compensation claims.
Cancellation period: If the contract is executed within 48 hours after the loss-producing occurrence, it is voidable by the insured for 10 days after execution.
Solicitation Rules
Public adjusters may not provide services until the DIFS-approved written contract is executed. Adjusters who fail to use the approved form risk forfeiture of their fee.
Governing Statutes
Michigan Compiled Laws (MCL) Chapter 500, §§ 500.1200 through 500.1240; fee cap and contract approval at MCL 500.1226
Frequently Asked Questions
- How much can a public adjuster charge in Michigan?
- 10% cap on the amount paid by the insurer in settlement of the loss (MCL 500.1226).
- How do I verify a public adjuster's license in Michigan?
- You can verify a public adjuster's license through the Michigan Department of Insurance and Financial Services (DIFS) at https://sbs.naic.org/solar-external-lookup/lookup?jurisdiction=MI
- What are the licensing requirements for public adjusters in Michigan?
- Public adjusters in Michigan must pass a licensing exam, obtain a $1,000 surety bond, and complete Michigan does not require continuing education for adjuster license renewal..
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