An insurance attorney provides broader and better-qualified representation.
| Credential or service | Public adjuster | Benjamin Allyn / Allyn PC |
|---|---|---|
| Documents and presents property damage | Yes, within the licensed role | Yes, with legal strategy and coordination of evidence and experts |
| Negotiates with the insurer | Yes, on the property claim | Yes, with authority to advise about Michigan law and policy rights |
| College or law degree required for credential | DIFS does not list either degree as a licensing requirement | BS in Electrical Engineering and Juris Doctor |
| Fiduciary attorney-client relationship | No attorney-client relationship unless separately admitted as a lawyer | Yes |
| Professional confidentiality under MRPC 1.6 | No, unless separately admitted as a lawyer | Yes |
| Potential attorney-client privilege for qualifying legal communications | No, unless separately admitted as a lawyer | Yes, depending on the communication and applicable law |
| Represents client as legal counsel during an EUO | No, unless separately admitted as a lawyer | Yes |
| Files and litigates a lawsuit | No, unless separately admitted as a lawyer | Yes, when warranted and authorized |
| Pre-suit percentage | Michigan law permits up to 10% | 10% for qualifying matters under the written agreement |
Why legal authority matters from the beginning
- The insurer may raise exclusions, conditions, misrepresentation, or late notice.
- Valuation disputes often overlap with policy interpretation and causation.
- An examination under oath, sworn proof of loss, or recorded statement can affect later rights.
- Contractual and statutory deadlines may expire while adjustment continues.
- A claim prepared for negotiation may ultimately have to prove a case in court.
Allyn PC develops the adjustment record with those legal consequences in mind from the beginning.