When can I demand appraisal in a Michigan insurance claim dispute?
Whenever you and your insurer cannot agree on the actual cash value or amount of loss. MCL 500.2833(1)(m) builds an appraisal provision into every Michigan fire policy with no minimum claim size: either side may make a written demand, each names an independent appraiser within 20 days, and the two appraisers choose an umpire within 15 days or a circuit judge appoints one.
Who sets the item values in Michigan's statutory appraisal process?
The two party-appointed appraisers and, where they disagree, the umpire. Michigan courts have held that the circuit court's role is limited to deciding coverage questions and appointing an umpire if needed; the dollar value of each item of personal property is reserved to the appraisal panel.
Does Michigan license appraisers of personal property such as jewelry or equipment?
No. Michigan's appraiser licensing under Article 26 of the Occupational Code covers real estate appraisers only. There is no state license category for contents, jewelry, art, or equipment appraisers, so insurers look for independent appraisers who follow recognized standards such as USPAP, which is the practice we follow.
How does Michigan decide whether equipment is personal property or part of the building?
With a three-part fixture test: annexation to the real estate, adaptation to its use, and intent to make the item a permanent accession. Property that fails the test remains tangible personal property, which affects how machinery, trade fixtures, and built-in equipment are classified and valued in an insurance claim.