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Michigan · Public Adjuster

Michigan Public Adjuster — Exam Prep

The examination this course is built to

Public Adjuster (16-70), 100 scored questions, 120 minutes, administered by PSI

8
Sections
36
Lessons
500+
Practice questions
71%
Passing score

What you'll learn

Every section below is aligned with the Michigan content outline.

Section 1
I. Insurance Regulation
9 lessons
+
  • The Adjuster for the Insured License: Scope, the Licensing Trigger, Exemptions, and the Fire Repair Contractor Bar
  • Getting Licensed Under MCL 500.1224: Exam Only, No Pre-Licensing Course, No Bond, No E&O
  • The PSI Series 16-70 Examination, the 71 Percent Cut Score, Annual March 31 Renewal, and Why There Is No CE
  • The DIFS Approved Contract and the Flat 10 Percent Fee Cap Under MCL 500.1226(3)
  • Two Cancellation Clocks: 10 Calendar Days Under MCL 500.1226(4) and 3 Business Days Under MCL 445.112
  • Solicitation Limits, Prohibited Practices, Six-Year Records, and the Absence of a Trust Account Statute
  • Unfair Claims Settlement Practices Under MCL 500.2026 and the Course of Conduct Threshold
  • Prompt Payment and 12 Percent Penalty Interest: MCL 500.2006 and the No-Fault Clock in MCL 500.3142
  • Appraisal Under MCL 500.2833 and Why Michigan Recognizes No First-Party Bad-Faith Tort: Kewin
Section 2
II. Insurance Basics
7 lessons
+
  • Principles and Characteristics of the Insurance Contract
  • How Policies Are Interpreted: Ambiguity, Burdens, and Construction Rules
  • Types of Insurers and Types of Adjusters: Who Works for Whom
  • Parts of an Insurance Policy
  • Insurable Interest, Indemnity, and Subrogation
  • Valuation: ACV, Replacement Cost, Depreciation, and Coinsurance
  • Basic Types of Construction: the Six Construction Classes
Section 3
III. Dwelling Policy
1 lesson
+
  • Dwelling Forms: DP-1, DP-2, DP-3
Section 4
IV. Homeowners Policy
3 lessons
+
  • Homeowners Forms: HO-2 Through HO-8 and the Coverage A–F Backbone
  • Homeowners Section I: Additional Coverages, Exclusions, Conditions, and Endorsements
  • Condominium Coverage: HO-6, the Master Policy, and Loss Assessment
Section 5
V. Commercial Package Policy (CPP)
2 lessons
+
  • Commercial Property: the BPP, Causes of Loss, and Business Income
  • Inland Marine: Personal Floaters and Commercial Floaters
Section 6
VI. Businessowners Policy
1 lesson
+
  • The Businessowners Policy (BOP): Property Side
Section 7
VII. Adjusting Losses
12 lessons
+
  • The Role of the Adjuster: Public, Staff, and Independent
  • Duties of the Insured After a Loss
  • First Notice of Loss, File Setup, and Loss Reserves
  • Investigation and Evidence: Inspection, Reports, and Statements
  • Determining Applicable Coverage and the Burden of Proof
  • Coverage Problems: Reservation of Rights, Nonwaiver, Waiver and Estoppel
  • Scope of Loss and Estimating Methods: Line Item, Unit Cost, and Square Foot
  • Depreciation, Salvage, and Determining the Amount of Loss
  • Settlement Options, Releases, Payment and Discharge
  • Supplements, Reinspection, and Reopening a Closed Claim
  • Resolving Disputes: Negotiation, Appraisal, Mediation, Arbitration, and Litigation
  • Adjuster Reports, File Documentation, and Catastrophe Claim Practice
Section 8
VIII. Other Coverages and Options
1 lesson
+
  • Mobile and Manufactured Home Coverage

How it works

1

Enroll

One-time payment of $49.99. Secure checkout powered by Stripe.

2

Study on your schedule

Read the lesson library, take section quizzes, and work through the practice-question bank as many times as you need.

3

Pass the real exam

Take the official Michigan exam with confidence. Most students finish the course in 2-4 weeks of casual study.

FAQ

How long is the Michigan Public Adjuster licensing exam?+
Michigan administers this as the Public Adjuster (16-70), through PSI. It carries 100 scored questions with a 120-minute time limit. The published passing score is 71%. The exam fee is $41.
How much does the Michigan Public Adjuster exam cost and who administers it?+
Michigan contracts the examination to PSI, and you register and pay through them rather than through this course. The published exam fee is $41 per attempt. You are allotted 120 minutes. Fingerprinting, the licence application fee and any state pre-licensing requirement are separate from the exam fee; the Michigan Department of Insurance publishes the current schedule.
Does Michigan require state-approved pre-licensing education?+
Michigan does not require state-approved pre-licensing education for this line. You can study independently with this course and sit for the exam directly -- no separate PLE certificate is required.
How many practice questions does this course include?+
This course includes 500+ practice questions across section quizzes and a full-length 100-question final exam simulator that mirrors the real Michigan Public Adjuster exam format. You can retake every quiz as many times as you want -- there is no cap.
Are the practice questions similar to the real Michigan exam?+
The practice questions are written to mirror the real Michigan Public Adjuster exam: the same four-option multiple-choice format, difficulty mix, and topic weighting taken from the state's published content outline, plus a full-length timed simulator matching the real question count. No legitimate provider sells the actual exam questions -- those are confidential -- but studying the same topics at the same weights in the same format is exactly what the exam vendors recommend.
Are the practice questions updated regularly?+
Yes. Question banks and lessons are maintained against each state's current law and the state's published exam content outline -- when a state changes a rule (minimum auto limits, notice periods, education requirements), the affected lessons and practice questions are updated at the source, and because the course is delivered online you always study the current version. Practice-test weighting follows the state's published outline rather than an even spread.
Can I study on my phone?+
Yes. The course works on any phone, tablet, or computer with a browser -- no installs or downloads required -- and your progress, quiz scores, and seat time sync automatically across devices. Materials stay online rather than as downloadable files so that every study session reflects the current version of the content; there is nothing stale sitting in a folder after a state changes its rules.
Can I fit this course around a full-time job?+
It is built for that. The course is fully self-paced with no schedules, live sessions, or deadlines: study in short sessions from your phone during a commute or lunch break, and pick up exactly where you left off on any device. The AI tutor points you to the sections your quiz results show you need most, so limited study time goes where it counts.
Does the course include AI tutoring?+
Yes -- every lesson page has a built-in AI tutor, included with the course at no extra cost. It can explain the current lesson in simpler terms, quiz you one question at a time, and tell you what to study next based on your actual quiz results. If you already use Claude or ChatGPT, you can also connect your own AI assistant to your course from your account page, so it can coach you using your real progress and practice questions.
How long do I have access to the course?+
Lifetime. After purchase you are enrolled immediately and can log in from any device -- laptop, tablet, or phone. Your progress syncs automatically and access never expires.
What if I fail the real Michigan exam?+
You can reschedule and retake the real exam through your state's testing vendor (typically Pearson VUE or PSI) -- you will pay the exam fee again. Your course access stays with you the whole time, so you can review the sections you missed and try again. Most students who fail on the first attempt pass on the second after a focused review of the weakest section.
Can I retake the Michigan licensing exam if I fail?+
Every state lets you retake the licensing exam if you fail -- you re-register with the testing vendor (typically Pearson VUE or PSI) and pay the exam fee again. Most states allow unlimited attempts, though some impose a short waiting period between tries or after several failed attempts; the Michigan candidate handbook lists the exact rule. Inside the course, practice quizzes and the exam simulator are always unlimited.
Can I add another license line later?+
Yes. Insurance licenses are issued per line of authority, so you add a line -- for example adding Life to a Property and Casualty license -- by passing that line's exam through your state; your existing license is unaffected. Courses here are sold per line to match, so you can prepare for each new line the same way you prepared for the first.
Can I get a refund?+
Yes. Within 7 days of purchase and before you have completed more than 25% of the course or started the final exam, you can request a full refund. Email support@theelitecompany.com with your order number; refunds process to the original payment method within 5-10 business days.

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Enroll once, keep access forever, pass your exam with confidence.

$49.99 · 7-day money-back · Lifetime access