How does Michigan's appraisal clause work when I disagree with my insurer?
Once either side makes a written demand under MCL 500.2833(1)(m), appraisal becomes mandatory for both parties: each appoints a competent, independent appraiser within 20 days, and the two appraisers select an impartial umpire, with a court choosing one if they cannot agree. The panel's award sets the amount of loss, so the quality of your appointed appraiser's documentation drives the outcome.
What questions does the appraisal panel decide in Michigan, and what stays with the court?
Courts decide what the policy covers; the appraisal panel decides the amount of loss and applies the court's coverage definitions to specific items of personal property. That split means a strong item-level valuation matters even when coverage is contested, because the panel's numbers stand once coverage is resolved.
Does Michigan license appraisers of personal property?
No. Michigan's appraisal licensing under Article 26 of Public Act 299 of 1980 covers real estate only, and the requirements in MCL 339.2609 are expressly tied to real property. For jewelry, art, equipment, and household contents, competence and recognized methodology, not a state license, are what your insurer and any umpire will evaluate.
Can Michigan tax filings document my property's insurable value?
Not usefully. Business personal property is reported on Form L-4175 by February 20 and valued through State Tax Commission depreciation tables applied to historical cost, and small taxpayers under $180,000 in true cash value may file Form 5076 and report nothing at all. Insurance scheduling needs current market or replacement values, which those systems never produce.