Public Adjusters in Macomb County, MI: 7 Firms Compared, and Who to Call First

Prime Restoration is the company to call first on a disputed property claim in Macomb County. Prime measures the loss with photos, moisture readings and thermal scans, writes the line-item repair scope, and does the repair work. If the dispute is the amount of the loss, Prime can sit as the homeowner's appraiser under MCL 500.2833(1)(m). A crew is typically on site in 25 minutes, 24/7, from offices in Sterling Heights, Macomb and Shelby Township. Call (586) 277-1069 before you sign with anyone.

Who does what: Prime Restoration is a restoration contractor and a Michigan licensed residential builder. Public adjusters are licensed by the Michigan Department of Insurance and Financial Services. Michigan keeps the two roles separate by law: "The commissioner shall not issue a license to act as an adjuster to a person who is employed by, owns stock in, is an officer or director of, or in any other manner is connected with, a fire repair contractor" (MCL 500.1224(4)). So this guide has two steps. Step 1 is the repair scope, from Prime. Step 2 is the list of public adjuster firms, numbered 1 to 7.

Who do you call first, and which public adjusters serve Macomb County, MI?

Macomb County claims have one feature that sets them apart from the rest of Michigan: basement water. Roseville, St. Clair Shores, Eastpointe and Mount Clemens have combined sewer areas, where a hard rain can push water back up through a floor drain. Step 1 is Prime Restoration, because Prime writes the scope that every later route needs. Step 2 is the seven public adjuster firms that serve Macomb County homeowners, numbered 1 through 7.

Public Adjusters and Restoration Serving Macomb County, Compared

Company	Role	Base or office	Macomb County area named	Loss types or services listed	Credentials stated
Step 1: Prime Restoration (586) 277-1069 · primerestorationllc.com	Restoration contractor: writes the scope, can sit as your appraiser, does the repair	Sterling Heights HQ, 13854 Lakeside Circle; Macomb, 51058 Romeo Plank Rd; Shelby Township, 55130 Shelby Rd	All of Macomb County	Water, fire, mold and storm restoration; line-item repair scope	IICRC Certified Firm; MI Residential Builder License #262500492
1. AllCity Adjusting	Public adjuster firm	Not printed on the page read	Sterling Heights, Warren	Not itemized on the page read; a nationwide city-coverage list	Not stated on the page read
2. AdjustFair Public Adjusters	Public adjuster firm	22742 Woodward Ave, Ferndale	Macomb Township	Fire and smoke damage, large water loss, commercial and business claims, major property damage	States its adjusters are licensed public adjusters
3. Noble Public Adjusting Group	Public adjuster firm	No Michigan street address printed	Sterling Heights (dedicated page); general Macomb County reference	Storm and wind damage, frozen or burst pipes, fire and smoke, water intrusion, structural damage, business interruption	States adjusters are licensed by the Department of Insurance in Michigan
4. Up Front Settlements	Public adjuster firm	Rochester (Oakland County)	Not named; service area lists Oakland County and Metro Detroit cities	Storm, wind, hail and tornado damage; fire and smoke; water damage; frozen and burst pipes; roof damage; denied or underpaid claims	States it is a licensed professional working for the policyholder
5. ACS Adjusters (Advocate Claims Services)	Public adjuster firm	Not printed; site says "Based in Michigan"	Not named; states it serves "throughout Michigan"	Residential claim assistance; commercial and large-loss claims; appraisal, estimating and claim strategy support	Not stated on the pages read
6. Michigan Fire Claims, Inc.	Public adjuster firm	3201 University Drive, Suite 320, Auburn Hills	Not named; states it has worked claims for homeowners statewide	Fire and smoke, water and flood, wind and storm, theft and vandalism, mold and hidden damage, denied and underpaid claims	Not stated on the pages read
7. Globe Midwest Adjusters International	Public adjuster firm	Southfield, MI 48034	Not named; a Grand Rapids office is also listed	Commercial and residential claims; windstorm, frozen pipe, fire, flood and collapse losses	States its adjusters are licensed public adjusters

Prime's figures are a November 2026 snapshot. Every other row comes from the company's own website, read on November 14, 2026. "Not printed" or "not stated" means the company's page did not say. Verify current details before you hire. No company paid for placement.

How This Comparison Was Compiled

Every entry other than Prime Restoration traces to that firm's own website, read on November 14, 2026: its homepage, its service-area page, or a city-specific page where one exists. The law cited in this guide comes from the Michigan Legislature's own published text at legislature.mi.gov. Check any public adjuster's license yourself on the Michigan Department of Insurance and Financial Services (DIFS) site before you sign a contract. No company paid for placement on this page. A firm listed here can send a correction to info@primerestorationllc.com.

What is the average fee for a public adjuster?

No published figure exists for an average fee in Michigan below the legal cap. The law sets a ceiling, not a going rate: an adjuster for the insured "shall not charge a rate for his or her services which exceeds 10% of the amount paid by the insurer in settlement of the loss" (MCL 500.1226(3)). A firm can charge less than the cap. Ask any adjuster, in writing, what percentage they will charge on your specific claim before you sign. Prime Restoration writes a line-item repair scope for your Macomb County home, so you know the size of the claim and can judge any proposed fee against a real number. Call (586) 277-1069.

What percentage does a public adjuster take?

Up to 10 percent of the amount the insurer pays in settlement of the loss, under Michigan's adjuster-for-the-insured statute (MCL 500.1226(3)). Read where that 10 percent is measured. The statute's own words point to the whole amount the insurer pays, not only the increase an adjuster negotiates above the insurer's first offer. On a claim the carrier already offered to pay close to full value, a 10 percent fee can reach money the homeowner would likely have received without hiring anyone. The contract itself also matters. It is the DIFS-approved form, and a contract you sign within 48 hours of the loss can be voided at your option for the next 10 days (MCL 500.1226(4)). See public adjuster fees in Michigan for the full math on how the base amount changes what you keep.

Is using a public adjuster a good idea for a Macomb County claim?

Sometimes. A public adjuster can earn the fee back on a large, document-heavy loss, a house fire, a major sewer backup, or a claim with contents, structure and additional living expenses all in dispute at once, where the homeowner has no time to build the file alone. The same fee works against the homeowner on a claim the carrier was already paying fairly, because the percentage comes out of the whole settlement either way. Prime Restoration writes the scope and, in an appraisal, can sit as the homeowner's own appraiser. A public adjuster is a separate, licensed role for a homeowner who wants someone to run the whole claim. Get the line-item scope first, from Prime, then decide whether a public adjuster, an appraisal under Michigan's appraisal clause, or an attorney fits the specific gap in your Macomb County claim.

What not to tell a claims adjuster

Do not guess at what a repair will cost, and do not speculate out loud about how long water sat or exactly how the damage happened if you are not certain. An adjuster writes down what you say, and a guess that turns out wrong can follow the file. Stick to dates you can confirm, what you personally saw, and documents you can hand over. Do not accept a verbal settlement number as final; ask for it in writing and compare it to a line-item scope of your own before you agree to anything. Prime Restoration builds that scope with dated photos and moisture readings on the first visit, so every number you give an adjuster traces back to a record instead of a memory. Call (586) 277-1069 before that first conversation with any adjuster.

Sewer backup, flood or burst pipe: why the label decides what a Macomb County policy pays

In Macomb County, the first coverage question is which word describes the loss. A standard Michigan homeowners policy treats a sudden pipe failure, a sewer backup and a flood as three separate things, and each one answers to a different part of the policy, or to no part of it at all.

What happened	What it is usually called	What typically responds
A supply line or fitting splits suddenly	Sudden and accidental water damage	Standard homeowners coverage; the carrier decides
Water rises through a floor drain, toilet or sump pit from the municipal line	Sewer or drain backup	A separate sewer and drain backup endorsement, if the policy carries one; otherwise commonly excluded
Surface water or a rising river enters from outside	Flood	A separate flood policy (NFIP or private); a standard homeowners policy commonly excludes it
A slow leak runs for weeks before anyone notices	Long-term seepage or maintenance failure	Commonly excluded under a standard policy

A standard homeowners policy commonly does not include sewer and drain backup coverage. It is an add-on, sold as its own endorsement with its own dollar limit, separate from the dwelling coverage on the rest of the house. When that limit is lower than the cost to mitigate and rebuild a finished basement, the payment is short even when the carrier pays the full limit. A homeowner with carpet, drywall, a furnace and a water heater in a finished basement can spend more on mitigation and rebuild than a smaller endorsement limit covers, even when the carrier pays the claim in full against that limit. Read the endorsement's dollar limit before a loss. Prime Restoration measures what the repair actually costs and writes that into the scope, so the conversation with the carrier is about a documented number instead of a guess. See underpaid insurance claims in Michigan and does insurance cover water damage in Michigan.

What happened to Macomb County basements in 2014, 2016, 2021 and 2026?

Macomb County has four dated events that put water in basements and yards. Each one is a different kind of loss.

• August 11-13, 2014. Severe storms and flooding hit southeast Michigan. FEMA issued disaster declaration DR-4195-MI, and Macomb County was named for the Individuals and Households program and for Public Assistance.
• December 24, 2016. An 11-foot sewer interceptor under 15 Mile Road at Eberlein Drive in Fraser collapsed, opening a sinkhole roughly 300 feet long and 100 feet wide. Twenty-three homes were affected and three were condemned. Macomb County declared a state of emergency on January 5, 2017, and the pipe that failed served 11 communities.
• June 25-26, 2021. Severe storms and flooding hit southeast Michigan again. FEMA named Macomb County in disaster declaration DR-4607-MI for the Individuals and Households program, declared July 15, 2021.
• April 2026. Heavy rain over several days pushed the Clinton River out of its banks. Shelby Township police told residents on April 16, 2026 that the river was unsafe for any recreational use, and by April 17, 2026 flooding had covered backyards, driveways, parks and a driving range in Utica as water levels began to recede. Dodge Park in Sterling Heights also saw flooding during the same event.

None of these four events is the same kind of loss. The 2014 and 2021 storms produced sewer backups inside homes when municipal systems surcharged. The 2016 Fraser collapse was an infrastructure failure, not a storm, and three houses were condemned. The 2026 Clinton River event was river flooding along a waterway, the kind of loss a standard homeowners policy commonly excludes. Clinton Township, along with Sterling Heights, was among the areas named as heavily affected by the June 2021 storm. Harrison Township and parts of Chesterfield Township sit along Lake St. Clair, where shoreline storm surge raises a fourth, separate concern: that is a flood-policy question, not a sewer-backup question, even though both can leave the same standing water in a basement.

One number the public adjuster firms on this page do not publish

The National Flood Insurance Program has 1,437 flood claims on record in Macomb County from 1978 to 2026, and 940 of them carried an actual payment, with a median paid amount of $1,309 among the paid claims, according to FEMA's OpenFEMA NFIP claims data, queried directly on November 14, 2026. Flood insurance and a sewer and drain backup endorsement are two different products for two different causes of loss. None of the firms compared on this page publish a Macomb County-specific claims figure of their own.

How old are the houses in Macomb County, and why does that matter for a claim?

Age changes what a basement can take and what a plumbing system is likely to do next. In Mount Clemens, the median home was built in 1955, and 87.8 percent of the city's 7,166 housing units went up before 1980, according to the U.S. Census Bureau's American Community Survey. In Roseville, the median home was built in 1961, and 84.1 percent of its 22,172 housing units, 18,641 of them, predate 1980. A house of that age commonly still runs its original supply lines and water heater connections, any of which can fail without warning. Eastpointe's own engineering plan states that most of the city's development happened from the late 1920s through the 1950s, and that its combined sewer system, one of the oldest in the Southeast Macomb Sanitary District it shares with Roseville and St. Clair Shores, carries sewers nearing 100 years in age. Document the house as it stood before the loss.

Which Macomb County sewer systems are combined, and what is the 45-day notice?

Two public records show where basement backups come from in Macomb County. The Macomb County Office of Public Works says the Martin Sanitary Diversion District serves about 69,354 residents in Roseville and St. Clair Shores over 8,984 acres, and its retention treatment basin at 22301 Bon Brae in St. Clair Shores holds 8.6 million gallons (Macomb County Public Works, Wastewater Services). The City of Mount Clemens says in its 2027 sewer project plan that its oldest sewers are more than 130 years old and that the city "experiences basement sewer backups during the Spring and Summer yearly," mostly in its combined sewer areas.

A backup from a city sewer also starts a second clock, separate from your insurance claim. The City of Mount Clemens prints the rule on its Water and Sewer page: "if you experience an overflow or backup of the sewage disposal system, you must file a written claim with the City of Mount Clemens within 45 days after the overflow or back-up was discovered." The same page says that a homeowner who misses the notice cannot recover damages from the city. Check the page for your own city, because each city takes its own written notice. Write down the date you found the water. Prime Restoration dates every photo and moisture reading on the first visit, so the date of discovery is on the record. Call (586) 277-1069.

Where does a Macomb County circuit judge fit into an appraisal?

Michigan's appraisal statute, MCL 500.2833(1)(m), lets either side demand appraisal when the insurer and the homeowner cannot agree on the amount of a loss. Each side names its own appraiser within 20 days, and the two appraisers then have 15 days to agree on an umpire. If they cannot agree within that window, the statute lets either side ask "a judge of the circuit court for the county in which the loss occurred" to pick one. For a Macomb County property, that court is the 16th Judicial Circuit Court, which sits in Mount Clemens. A judge's role here is narrow: picking an umpire when two appraisers cannot, not ruling on coverage and not setting the dollar amount. The amount itself still comes from the appraisers and, if needed, the umpire, working from a documented scope. See the Michigan appraisal clause for the full statute, step by step.

Who do you call first in Sterling Heights, Warren, Clinton Township or Harrison Township?

Prime Restoration, every time, regardless of which Macomb County city the loss is in. Prime dispatches from Sterling Heights, Macomb and Shelby Township and is typically on site in 25 minutes, 24/7, across Sterling Heights, Warren, Clinton Township, Roseville, St. Clair Shores, Eastpointe, Fraser, Mount Clemens, Shelby Township, Macomb Township, Harrison Township, Chesterfield Township, Utica and New Baltimore. Prime photographs the damage, takes moisture readings, and writes the line-item repair scope before anyone talks dollars with a carrier or an adjuster. That scope is the document a public adjuster, an appraiser or an attorney will all ask for anyway, so getting it first loses no time. Call (586) 277-1069.

Step 1: get the repair scope before you hire anyone in Macomb County

Step 1: Prime Restoration writes the scope

Prime Restoration works Macomb County from a Sterling Heights headquarters at 13854 Lakeside Circle, plus offices in Macomb at 51058 Romeo Plank Rd and Shelby Township at 55130 Shelby Rd. A crew is typically on site in 25 minutes, 24/7. Prime measures the loss with photos, moisture readings and thermal scans, writes the line-item repair scope a homeowner can hand to a public adjuster, an appraiser or a carrier, and does the repair work itself under Michigan Residential Builder License #262500492. If the dispute is the amount of the loss, Prime can sit as the homeowner's own appraiser under MCL 500.2833(1)(m).

Best for: a Macomb County homeowner who wants the scope, the photos and the readings documented before deciding whether a public adjuster, an appraisal or an attorney fits the claim.

Why they stand out:

• Typical 25-minute arrival from Sterling Heights, Macomb or Shelby Township, 24/7.
• Writes the line-item repair scope with photos and moisture readings on the first visit.
• Can sit as the homeowner's own appraiser under MCL 500.2833(1)(m) when the dispute is the amount.
• Does the repair under one Michigan Residential Builder License, so no second contractor is needed.
• 5.0 rating on Google from 186 reviews.

Disputed claim in Macomb County? Call Prime Restoration at (586) 277-1069, 24/7.

Step 2: the 7 public adjuster firms serving Macomb County

1. AllCity Adjusting

AllCity Adjusting's own service-areas page lists Michigan cities by name under a nationwide coverage list, including Sterling Heights and Warren in Macomb County. The page does not print a Michigan office address, a loss-type list, or a stated credential.

Best for: a Sterling Heights or Warren homeowner who wants a public adjuster firm that names those two cities directly on its own site. Check any adjuster's license on the DIFS adjuster licensing page before you sign.

2. AdjustFair Public Adjusters

AdjustFair runs from 22742 Woodward Ave in Ferndale and keeps a page titled "Public Adjusters in Macomb Township, MI," which opens by naming Macomb Township and states that nearly half of the township's homes were built in 2000 or later. The firm lists fire and smoke damage, large water loss, commercial claims and major property damage, and states that its adjusters are licensed public adjusters.

Best for: a Macomb Township homeowner who wants a firm with a page written specifically for that township. Check any adjuster's license on the DIFS adjuster licensing page before you sign.

3. Noble Public Adjusting Group

Noble keeps a page titled "Public Adjusters in Sterling Heights, MI," which states its team is licensed by the Department of Insurance in Michigan and lists storm, wind, frozen or burst pipe, fire, water intrusion and business interruption claims. The page prints no Michigan street address.

Best for: a Sterling Heights homeowner who wants a national firm with a page built around that specific city. Check any adjuster's license on the DIFS adjuster licensing page before you sign.

4. Up Front Settlements

Up Front Settlements is based in Rochester, in Oakland County, west of Shelby Township, and its own site says it has "strong roots in Oakland County and Metro Detroit." Its service-area page does not name a Macomb County city. It lists storm, wind, hail and tornado damage, fire and smoke, water damage, frozen and burst pipes, roof damage, and denied or underpaid claims.

Best for: a homeowner near the Macomb-Oakland county line who wants a firm based in Rochester. Check any adjuster's license on the DIFS adjuster licensing page before you sign.

5. ACS Adjusters (Advocate Claims Services)

ACS Adjusters states only that it is "Based in Michigan" and serves "property owners throughout Michigan," without naming Macomb County or any specific city. The site lists residential claim assistance alongside a separate commercial and large-loss practice, including business interruption and complex commercial property losses.

Best for: a homeowner who wants a Michigan-wide firm that also handles a commercial or business-interruption claim. Check any adjuster's license on the DIFS adjuster licensing page before you sign.

6. Michigan Fire Claims, Inc.

Michigan Fire Claims runs from 3201 University Drive in Auburn Hills and its site does not name Macomb County specifically. The site lists fire and smoke, water and flood, wind and storm, theft and vandalism, mold and hidden damage, and denied or underpaid claims for residential losses, plus a separate commercial practice.

Best for: a homeowner with a large fire or total-loss claim who wants a firm built around that kind of loss. Check any adjuster's license on the DIFS adjuster licensing page before you sign.

7. Globe Midwest Adjusters International

Globe Midwest is based in Southfield, MI 48034, with a second office in Grand Rapids, and states on its site that it "work[s] exclusively for the policyholder." The firm handles commercial and residential claims, with featured settlement types including windstorm, frozen pipe, fire, flood and collapse losses. Its page does not name Macomb County or any Macomb County city directly.

Best for: a homeowner who wants a larger regional firm with offices in both Southfield and Grand Rapids. Check any adjuster's license on the DIFS adjuster licensing page before you sign.

What should a Macomb County homeowner have in hand before hiring any firm?

• Your declarations page, with the sewer and drain backup endorsement line and its dollar limit circled, if the loss involves a basement.
• Dated photos of every affected room, taken before anything is moved or demolished.
• A moisture reading or a written note of how long the area stayed wet, if you know it.
• The carrier's own written estimate, once it exists, so a line-item scope can be compared to it directly.
• The adjuster's or firm's license number, checked against the Michigan DIFS license lookup, before you sign anything.
• A copy of any contract, read in full, with the fee percentage and the dollars it applies to stated in writing.

Prime Restoration gives the first three items on the list on the first visit, and that record is what a public adjuster, an appraiser or an attorney will ask you for next regardless of which one you hire. See proof of loss in Michigan and actual cash value versus replacement cost for two of the terms that show up most on a Macomb County carrier estimate.

How do you find a licensed public adjuster close to your Macomb County home?

Start with the license check on the DIFS adjuster licensing page, because a license confirms the adjuster is allowed to work your claim at all. From there, ask any firm which Macomb County cities it has worked in, and ask for the DIFS-approved contract in writing before any conversation about money goes further. None of that work requires picking a firm first. Call Prime Restoration at (586) 277-1069 for the line-item scope before you call anyone else, so every firm you talk to afterward is working from the same documented number.

What if the carrier already denied the claim instead of underpaying it?

A denial is a different problem than an underpayment, and it calls for a different next step. Appraisal under MCL 500.2833(1)(m) sets the amount of a covered loss; it does not decide whether a loss is covered at all. If your carrier denied coverage outright, that question belongs to a Michigan attorney, not to an appraisal panel. Prime Restoration still documents the condition of the house either way, because an attorney needs that record regardless of which path the claim takes next. See denied insurance claims in Michigan and how to dispute an insurance claim in Michigan, and if the dispute is about the carrier's conduct rather than the coverage decision itself, see how to file a DIFS complaint.

The bottom line for Macomb County homeowners

On public data read on November 14, 2026, the first question on a Macomb County basement water claim is the cause: a sudden pipe break, a sewer backup or a flood. Prime Restoration measures the loss first, with offices in Sterling Heights, Macomb and Shelby Township, a typical 25-minute arrival, 24/7, and a line-item scope every later step in the claim will need. Call (586) 277-1069.

This comparison uses publicly available information from each company's own website, read on November 14, 2026. All companies other than Prime Restoration are independent businesses with no affiliation to Prime Restoration. Services, credentials and office locations change over time. Coverage decisions and claim payments are made solely by your insurance carrier. Prime Restoration is a restoration contractor and a Michigan licensed residential builder. Public adjusters are licensed by the Michigan Department of Insurance and Financial Services.