Michigan’s Adjuster for the Insured license, issued under the authority of the Michigan Department of Insurance and Financial Services (DIFS), qualifies an adjuster to represent policyholders — never the insurer — in property insurance claims. The licensing examination is the Michigan Public Adjuster examination (PSI Series 16-70), delivered by PSI: 100 scored questions in 2 hours. PassProfessor’s Michigan Adjuster for the Insured program is in the works, built on the published examination outline for this license and on Michigan’s own licensing rules, and this program page states the verified facts of both.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
Michigan’s license name is the first examination skill: Adjuster for the Insured, under MCL 500.1222 to 500.1228. PSI titles the examination ‘Public Adjuster,’ Series 16-70, which completes the confusion the naming creates. The credential itself is unusually lean around the examination — no pre-licensing course, no bond, no continuing education — and unusually strict inside practice: a compensation cap of 10 percent of the settlement, a DIFS-approved contract, an annual renewal every March 31, and a bar on adjusting workers’ compensation claims.
PassProfessor’s Michigan Adjuster for the Insured program is in the works as part of the expanding PassProfessor catalog. It is built for one examination only — the Michigan Public Adjuster examination (PSI Series 16-70) — in Michigan, the state that does not call this license ‘public adjuster’ at all — Michigan law names it Adjuster for the Insured, and a candidate searching DIFS for ‘public adjuster’ will miss the license entirely. Everything on this page is stated from the regulator’s and the vendor’s own publications, and the companion exam guide carries the full detail.
Which license is this?
This page covers one license only: the Adjuster for the Insured license issued by the Michigan Department of Insurance and Financial Services (DIFS). The Adjuster for the Insured is hired by the insured to adjust a property claim on the insured’s side of the table — the opposite seat from the company adjuster the insurer employs and the independent adjuster the insurer contracts. Two Michigan numbers must never be blended. The insurer-side adjuster examinations in Michigan pass at 70 percent; the Adjuster for the Insured examination passes at 71 percent — DIFS’s cut score table sets it there, and a candidate who plans a study target around the family-typical figure is planning around the wrong line. The outline is equally its own: Insurance Basics at 23 percent and Adjusting Losses at 22 percent lead a paper in which regulation is only 12 percent, the reverse of Maryland’s proportions in this same batch.
What will the program cover?
Practice written from scratch against Michigan’s own outline. The program is being built from scratch against the published content outline for the Michigan Public Adjuster examination (PSI Series 16-70). No practice item is an actual examination item or another provider’s material; items are written as the decisions this license actually makes — a coverage question inside a damaged property, a valuation dispute, a Michigan rule that governs what the adjuster may do next — because that is the shape of the work and of the paper.
The licensing sequence, not only the sitting. Passing the examination is one gate in a sequence the Michigan DIFS controls end to end. The program’s preparation keeps the whole sequence in view — the steps below are the license’s real order of operations in Michigan — so a candidate’s study plan is built around the route as it actually runs, not around the test day alone.
Progress reported area by area. Practice is organised by the outline areas in the table below, so results can be read area by area: a candidate strong on coverage but thin on Michigan law sees that split while there is still time to repair it, in the proportions the examination itself will apply.
Preparation only. This program prepares candidates for the Michigan DIFS’s examination. It is not a product of the Michigan Department of Insurance and Financial Services (DIFS), PSI, or any state body, carries no credit from any of them, and satisfies no licensing requirement by itself. PassProfessor is an independent preparation provider, not affiliated with the Michigan Department of Insurance and Financial Services (DIFS), PSI, or any testing vendor named on this page.
What are the verified facts of the license?
| Fact of record | Detail |
|---|---|
| License | Adjuster for the Insured — Michigan |
| Regulator | Michigan Department of Insurance and Financial Services (DIFS) |
| Examination | Michigan Public Adjuster examination (PSI Series 16-70) |
| Vendor | PSI |
| Format | 100 scored questions; 2 hours |
| Examination fee | $41 per attempt (third-party examination fee, paid to PSI when the examination is scheduled; the fee is not refundable or transferable) |
| Passing standard | 71 percent, the cut score DIFS publishes for this examination — one point above the 70 percent used for Michigan’s insurer-side adjuster examinations |
| Status of this program | In the works — enrollment is not open; join the notify list |
How does preparation map to the examination outline?
| Outline area | Weight on the examination | What it covers |
|---|---|---|
| Insurance Basics | 23 of 100 | The largest block: the concepts and vocabulary the whole paper assumes. |
| Adjusting Losses | 22 of 100 | The practice block — investigation, documentation, and valuation for the insured. |
| Homeowners Policy | 18 of 100 | The dominant residential form. |
| Insurance Regulation | 12 of 100 | Michigan licensing and conduct law for this credential, MCL 500.1222–1228 territory. |
| Dwelling Policy | 8 of 100 | The dwelling forms and their coverage structure. |
| Commercial Package Policy | 8 of 100 | The commercial package and its components. |
| Businessowners Policy | 8 of 100 | The small-business package form. |
| Other Coverages and Options | 1 of 100 | A single-question tail that completes the published outline. |
The percentages are PSI’s Series 16-70 outline weights; on a 100-question examination each percentage is a question count, and the eight areas sum to the full paper.
A 71 percent cut score — 71 of 100 — on a paper that can present up to 110 items inside a two-hour limit, because unscored experimental items count against the clock. The demand is precision under a slightly raised bar, on the only Michigan adjuster credential that represents the insured.
The licensing steps in Michigan
Step 1 — Pass PSI Series 16-70 — under the license’s real name. Search DIFS and NIPR for ‘Adjuster for the Insured.’ The examination is 100 scored questions in 2 hours at $41; PSI may add up to ten unscored items that count against the same time, and the result must be used within the window DIFS sets.
Step 2 — Apply through NIPR. The resident application runs through NIPR at the modest fee the state’s schedule publishes ($15 plus a $5 charge in the current schedule).
Step 3 — Contract inside the Michigan rules. Practise under a DIFS-approved contract, compensation no higher than 10 percent of the settlement under MCL 500.1226(3), and no workers’ compensation claims.
Step 4 — Renew every March 31. The license renews annually by March 31; there is no continuing education requirement, and no bond, for this Michigan license.
Why Michigan’s version of this license is its own
No two states in this family run the same license, and Michigan’s differences are not cosmetic. The regulator is the Michigan Department of Insurance and Financial Services (DIFS); the vendor is PSI; the paper is 100 scored questions in 2 hours; and the sequence around the sitting — pass psi series 16-70 — under the license’s real name first, in the order the steps section sets out — belongs to Michigan alone. A candidate arriving with another state’s public adjuster license, or with preparation bought for another state’s examination, keeps the general insurance knowledge and starts again on everything the outline weights as Michigan material. That is not a defect in the system; it is the system working as designed, because the claims this license will adjust arise under Michigan policies, Michigan deadlines, and Michigan conduct rules from the first day of practice.
What makes this license demanding?
Searching for a ‘Michigan public adjuster license’ and concluding the state has none. Searching for a ‘Michigan public adjuster license’ and concluding the state has none — the license is Adjuster for the Insured, and PSI’s examination title is the only place ‘public adjuster’ appears.
Studying to a 70 percent target borrowed from Michigan’s insurer-side adjuster examinations; this examination’s cut score is 71 percent.. Studying to a 70 percent target borrowed from Michigan’s insurer-side adjuster examinations; this examination’s cut score is 71 percent.
Assuming a bond or continuing education must exist because other states require them. Assuming a bond or continuing education must exist because other states require them — Michigan requires neither for this license, and instead binds practice through the fee cap and the approved contract.
The pattern across those pitfalls is the same one this family shows everywhere: the examination and the sequence around it are state-specific in ways a generic adjuster preparation cannot see. The candidate who treats Michigan’s license as a national license with a state label meets the difference on examination day, or at the application window, rather than in preparation where it can still be repaired.
An honest note on format
PassProfessor practice works in the format this examination uses — multiple-choice items in the examination’s style, organised by its outline and weighted as the outline weights them. The Michigan DIFS and PSI do not release actual examination items, and no provider can offer them. Practice results are a study gauge, not a prediction of a licensing outcome, and no outcome is promised or implied anywhere in this program.
How should you use this page while the program is in the works?
- Join the notify list today. Enrollment is not open yet, and the notify list is how you hear the moment it is. While you wait, read the exam guide — it walks the examination, the outline area by area, the licensing sequence, and a preparation plan in full.
- Confirm this is your license before anything else. If the work you intend is insurer-side adjusting, this is the wrong license and the wrong examination; Michigan’s Adjuster for the Insured license serves the policyholder’s side only.
- Start the sequence in its real order. In Michigan, the first licensing step is: pass psi series 16-70 — under the license’s real name. Preparation that ignores the sequence can leave a passed candidate waiting on paperwork while a result’s validity window runs.
- Study the state material at its outline weight. The Michigan law and regulation material in the outline table above is scored like everything else on the paper — and it is the material least likely to be covered by any preparation you already own.
Frequently asked questions
What is the Michigan Adjuster for the Insured license? It is Michigan’s license for an adjuster who represents the policyholder in a property insurance claim — investigating and documenting the loss, valuing it, and negotiating the settlement with the insurer on the insured’s behalf. It is issued by the Michigan Department of Insurance and Financial Services (DIFS). It is not an insurer-side adjuster license, and this program does not prepare candidates for any independent or company adjuster examination.
Who hires a Adjuster for the Insured — the insurer or the policyholder? The policyholder. That single fact drives the whole licensing regime: because the Adjuster for the Insured contracts directly with the insured and is paid from the claim, Michigan regulates the license, the contract, and the conduct around both. Company and independent adjusters, who work for insurers, sit under different licenses and different examinations.
What examination must I pass for this license? The Michigan Public Adjuster examination (PSI Series 16-70), delivered by PSI: 100 scored questions in 2 hours.
What score passes the Michigan examination? The passing standard for this examination is 71 percent, the cut score DIFS publishes for this examination — one point above the 70 percent used for Michigan’s insurer-side adjuster examinations.
What does the examination cost? $41 per attempt (third-party examination fee, paid to PSI when the examination is scheduled; the fee is not refundable or transferable) Examination and license fees are third-party fees paid to the vendor and the state — they are not PassProfessor charges, and no PassProfessor price appears on this page.
What does the examination cover? The published outline areas are: Insurance Basics; Adjusting Losses; Homeowners Policy; Insurance Regulation; Dwelling Policy; Commercial Package Policy; Businessowners Policy; Other Coverages and Options. The companion guide walks each area in full.
What is the most common licensing mistake in Michigan? Searching for a ‘Michigan public adjuster license’ and concluding the state has none — the license is Adjuster for the Insured, and PSI’s examination title is the only place ‘public adjuster’ appears.
What must happen besides passing the examination? Search DIFS and NIPR for ‘Adjuster for the Insured.’ The examination is 100 scored questions in 2 hours at $41; PSI may add up to ten unscored items that count against the same time, and the result must be used within the window DIFS sets. The full sequence for this license is set out in the licensing-steps section above and in the companion guide.
When will the PassProfessor Michigan program open? The program is in the works and enrollment is not open yet. Join the notify list on this page and you will be emailed when enrollment opens; the companion exam guide is available to read now for planning your preparation.
Is PassProfessor affiliated with the Michigan DIFS or with PSI? No. PassProfessor is an independent preparation provider, not affiliated with the Michigan Department of Insurance and Financial Services (DIFS), PSI, or any state insurance department. The regulator issues the license and the vendor delivers the examination; this program is preparation only and confers no license, credit, or eligibility.