Service Areas | Michigan Public Adjuster, Royal Oak
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Service Areas · Licensed Statewide

Licensed across Michigan. Based where the work is.

The license is statewide — a Michigan public adjuster can represent an insured on any property in the state, and I take files outside Southeast Michigan regularly. The primary counties below are simply where most of the volume is, and where I know the housing stock house by house.

Primary Counties

Site visits within 48 hours

IN COUNTY

Oakland

Pre-war brick through new subdivision. Matching disputes and code-upgrade arguments in the same county.

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PRIMARY

Macomb

Post-war tract housing, the subdivision belt, and Anchor Bay waterfront. Backup and wind lead the volume.

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PRIMARY

Wayne

The oldest stock in the region. Heavy depreciation, vacancy clauses, and specialty historic trades.

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PRIMARY

Genesee

Under an hour out. The widest spread of property values in the region, with vacancy disputes and high-value suburbs in one county.

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PRIMARY

St. Clair

Waterfront wind exposure, seasonal vacancy and frozen-pipe exclusions, boathouses and docks.

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PRIMARY

Washtenaw

Rentals and loss of rents, mature tree canopy, the Huron corridor, and historic districts.

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Served By Arrangement

Scheduled within two to three days

BY ARRANGEMENT

Monroe

Lake Erie shoreline wind and surge, floodplain and NFIP overlap, and older river-town housing stock.

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BY ARRANGEMENT

Livingston

Newer high-value construction on acreage, lake frontage, and private wells and septic outside the municipal grid.

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BY ARRANGEMENT

Lapeer

Acreage, pole barns and outbuildings, farmowners forms, wells and septic, open wind exposure.

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Statewide

Outside these counties, the answer is usually still yes

Michigan licenses public adjusters at the state level, not the county level. Distance affects how a file is staffed and scheduled — it does not affect whether I can represent you.

ANY COUNTY

Larger and total losses, anywhere in Michigan

Grand Rapids to the Thumb to the U.P. On a significant fire, total loss, or contested large claim, travel is not the deciding factor — the file is.

STORM WORK

Catastrophe response outside the region

After a significant hail or wind event, carriers surge in out-of-state adjusters on tight timelines. Those are exactly the estimates worth a second read, wherever the storm hit.

REMOTE

Estimate review and appraisal without a site visit

Estimate audits, policy reviews, and appraiser or umpire appointments can be handled from the documentation and photographs. Distance is not a factor on those at all.

Statewide Counties

Outstate counties we work regularly

These sit further out, so the honest framing is this: they are worth the drive on larger and disputed losses, and on appraisal, umpire, and estimate-review work where the dispute lives in the documents rather than on the roof. On a small uncomplicated claim a local adjuster may serve you better, and the free review will say so.

STATEWIDE · GRAND RAPIDS

Kent

Lake-effect snow load, Heritage Hill historic materials, and Grand River flooding.

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STATEWIDE · LANSING

Ingham

Student rental loss of rents, open-terrain wind, and capital-city commercial property.

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STATEWIDE · KALAMAZOO

Kalamazoo

Nineteenth-century historic districts inside a genuine severe-storm corridor.

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STATEWIDE · BATTLE CREEK

Calhoun

Where actual-cash-value roof endorsements do the most damage. Check the declarations first.

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STATEWIDE · JACKSON

Jackson

A factory city, an inland lakes district, and farmland — three markets, three arguments.

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STATEWIDE · SAGINAW

Saginaw

River basin flooding, agricultural outbuildings, and unobstructed wind and ice.

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City Pages

Cities covered in detail

Housing stock differs enough city to city that the claims do too. These pages cover the neighborhoods, the building types, and the losses that actually recur in each.

Royal Oak OAKLAND COUNTY Birmingham OAKLAND COUNTY Troy OAKLAND COUNTY Warren MACOMB COUNTY Sterling Heights MACOMB COUNTY Detroit WAYNE COUNTY Grosse Pointe WAYNE COUNTY Ann Arbor WASHTENAW COUNTY Port Huron ST. CLAIR COUNTY Flint GENESEE COUNTY Lansing INGHAM COUNTY Jackson JACKSON COUNTY Grand Rapids KENT COUNTY Kalamazoo KALAMAZOO COUNTY Battle Creek CALHOUN COUNTY Saginaw SAGINAW COUNTY Dearborn WAYNE COUNTY Novi OAKLAND COUNTY Monroe MONROE COUNTY Brighton LIVINGSTON COUNTY

Not Sure If You Are Covered

Send the address and find out

If a file is genuinely too far to serve well, I will tell you that and point you somewhere better. The review itself is free either way.

Request a free claim review See how we engage
HARD KNOCKS CONSULTING

220 South Main Street
Royal Oak, MI 48067

(947) 241-2950
stanley@hardknocksconsulting.com

SITEServicesLoss TypesService AreasResultsAboutContact
LOSS TYPESHailWind & StormWater & SewerFire & SmokeIce DamsRoof
COUNTIESOaklandMacombWayneGeneseeWashtenawSt. ClairLapeerAll counties →
LICENSINGAdjuster for the Insured
State of Michigan — statewide
NPN 20573993
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