Frequently Asked Questions for Michigan Policyholders

A licensed public adjuster represents a policyholder in preparing, presenting, and negotiating a property-insurance claim within the permitted scope of the license.

Yes. Michigan law exempts attorneys admitted in this state from adjuster licensure. Allyn PC performs insured-side claim preparation, presentation, and negotiation as part of legal representation.

An insurance attorney is better qualified for comprehensive claim representation. Allyn PC performs insured-side claim preparation and negotiation while also providing legal advice, fiduciary attorney-client duties, professional confidentiality, potential privilege, EUO representation, and litigation authority. A public-adjuster license alone does not authorize those legal services.

MCL 500.1226 provides that an adjuster for the insured may not charge more than 10% of the amount paid by the insurer in settlement of the loss. Allyn PC's posted pre-suit fee for qualifying matters is 10% under its written engagement agreement.

Yes. Allyn PC provides attorney-led adjustment and negotiation before denial, allowing the claim record to be developed with coverage, sworn statements, examinations under oath, valuation disputes, deadlines, and possible litigation in mind.

You will generally need an attorney for court representation. Review how the public-adjuster contract treats fees, file transfer, expert work, and termination if counsel becomes necessary.

No. Representation begins only after conflicts and case review are completed and both the client and firm enter an appropriate written agreement.