# How to Become an Insurance Adjuster in Michigan

_Licensing_

Canonical: https://www.claimspages.com/learn/licensing/michigan/

Michigan is the most affordable state in the nation to obtain an insurance adjuster license, with total initial costs of approximately $56 and renewal fees of just $5 every 2 years. The Michigan Department of Insurance and Financial Services (DIFS) administers the licensing process, which requires passing a state exam but has no pre-licensing education and no continuing education requirements. Michigan's Great Lakes climate generates significant claims from wind, hail, ice storms, and lake-effect snow, while its status as a no-fault auto insurance state creates unique opportunities for auto claims adjusters.



Michigan issues adjuster licenses under two primary categories:

Independent Adjuster — Adjusters contracted by insurers to investigate, negotiate, and settle claimsPublic Adjuster — Adjusters who represent policyholders in the claims processStaff adjusters employed directly by an insurance company are exempt from individual licensing requirements in Michigan. This exemption applies only to salaried employees acting on behalf of their employer.



The Michigan adjuster licensing exam is a computer-based, multiple-choice test requiring a 70% passing score. The exam covers property insurance, casualty insurance, claims adjusting procedures, Michigan insurance law, and ethics. The exam fee is $41.

Michigan's exam is considered moderate in difficulty. Candidates who do not pass on the first attempt may retake the exam after a waiting period. Voluntary preparation courses are recommended for first-time applicants.



Register for the adjuster licensing examPass the computer-based exam (70% passing score, $41 exam fee)Submit your application through DIFS or NIPRPay the $15 application feePublic adjuster applicants: obtain and file a $1,000 surety bondReceive your adjuster license

Michigan has no continuing education requirement for licensed adjusters. This is one of the few states in the nation with a 0 CE hours mandate. License renewal is simple and inexpensive — just $5 every 2 years with no coursework required.



Michigan holds the distinction of being the cheapest licensing state in the nation with a total initial cost of approximately $56 and a renewal fee of just $5 every 2 years. Combined with no pre-licensing education and no continuing education requirements, Michigan offers the lowest barrier to entry and lowest ongoing maintenance cost of any licensing state. Michigan is also a no-fault auto insurance state, which creates unique claims dynamics for auto adjusters. Great Lakes weather patterns generate significant property claims from wind, hail, ice storms, and lake-effect snow.