Work With Trusted & Experienced

Public Adjusters In Detroit, Michigan That Work For YOU!

100% Contingency Based. We Don't Get Paid Unless YOU Get Paid!

*Not All Services Available In All Areas. 

Don't Settle For Less!

Get The HIGHEST & Most FAIR Settlement Amount, That You Are Legally Entitled To, From Your Insurance Claim!

Get a free on-site inspection & insurance policy evaluation from one of our expert public claims adjusters!

Work with highly trained & verified Detroit public adjusters who are state-licensed, bonded, and trained to handle all residential or commercial insurance claims, big or small!

Public Claims Adjusters Network (PCAN) member public insurance adjusters in Detroit, Michigan offer technical and detailed expertise that has satisfied countless homeowners, business owners, condominium associations, property management companies, and HOAs.

Our network members have years of experience dealing with insurance companies. Many of our network’s public adjusters also have previous backgrounds in construction and/or insurance, giving them a significant advantage in quickly securing the highest claim settlement compensation for their clients.

They know what to look for, what repairs actually cost, and what the insurance company’s adjusters tend to ignore (and hope you don’t know about!).

Consultations are always:

  • Friendly
  • Free
  • No-Obligation
  • 100% contingency-based In Nearly Every State

… meaning your public adjuster doesn’t get paid, unless you get paid!*

Public Claims Adjusters Network public adjusters take pride in providing superior customer service, and clear & friendly communication. Please fill out our contact form to schedule a no-obligation consultation with one of our network’s licensed & verified Michigan public adjusters today!

*Some Services Not Available In All Areas. Contingency Fee Not Permitted By Law In Lousianna. By law, services in Kansas are only available for commercial claims.

Request Your No-Obligation Consultation With a PCAN-Verified Member Public Adjuster Today!

*Some Services May Not Be Available In All Areas. Public Claims Adjusters Network (PCAN) is not a Public Adjusting Agency. PCAN is a private network of stringently vetted, state-licensed, bonded, and PCAN Verified Public Adjusters with members Nationwide. Your contact request will be matched to one of our verified member public adjusters serving the Detroit community, to ensure the highest quality of service & care.

Up To 0 %

Higher Claim Payouts When Using A Public Adjuster According To Landmark OPPAGA Study!

0 %

Contingency Based. We don’t get paid, unless you get paid!

*Contingency fees not permitted by law in Louisiana.

Public Adjuster Graph
Public Adjuster Graph

Why Hire A Public Claims Adjuster In Detroit Michigan?

Detroit Public Adjusters Help Get You The HIGHEST & Most Fair Settlement Amount (That You Are Legally Entitled To) From Your Homeowners, Roofing, Condo & HOA, & Business Insurance Claims!

Get a Free On-Site Inspection & Insurance Policy Evaluation From One Of Our Expert public claims adjusters Members Today!

*Some Services Not Available In All Areas. 

What Our Network Of Licensed Detroit Public Insurance Adjusters Bring To The Table

Insurance Policy & Claims Specialists For Detroit Residents

PCAN member public adjusters have years of experience in claims & reviewing coverages. As such, they understand the numerous types of policies and endorsements you may experience when dealing with your claim in Detroit, Michigan. Their expertise allows them to find & utalize the various coverages your policy may have, and in many cases, inform you of coverage & clauses you may not even know about.

Advocates For Homeowners, Businesses, & HOA's In Detroit, Michigan

PCAN member public insurance claims adjusters advocate for your rights as the policy holder. They ensure that the clients’ rights are being protected throughout the claims process, and make sure you get all the benefits you are entitled to based on your policy. Public adjusters are there with you every step of the way!

Experts In Seen & Unseen Damages For Detroit Homeowners Insurance Claims

PCAN member public insurance claims adjusters in Detroit, Michigan have years of experience identifying damage, and in most cases, come from professional construction, roofing, and insurance backgrounds. As such, they are able to find & isolate damages that you may not even know to look for, or know would/should be covered by your policy! They also incorporate the latest assessment techniques & technology when conducting their property inspections.

Expert Detroit Damage Claim Negotiators

Settlement negotiation is critically important when it comes to the claims process. Public adjusters in Detroit, Michigan know how the insurance companies think, and come to the negotiation table fully prepared to defend & enforce your rights. PCAN member public claims adjusters have the expertise and experience in claims negotiations to ensure that you get what you are actually entitled to under your policy ... not what the insurance company tells you that you are, based on their own interests. When the insurance company plays hardball or puts up a fight, your public adjuster won't be afraid to get in that ring and fight them for what's rightfully yours!

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

Frequently Asked Questions (FAQ) About Detroit Michigan Public Adjusting

Detroit Public adjusters are licensed insurance professionals who independently represent policyholders during the insurance claims process. According to the National Association of Public Insurance Adjusters (NAPIA), these professionals serve as advocates for homeowners to ensure that their interests are secured in working with insurance companies..

The role of public adjusters has become increasingly important in recent times, especially as insurance claims grow more complicated. A landmark study by the Office of Program Policy Analysis and Government Accountability (OPPAGA) found that policyholders who used public adjusters received settlements up to 800% higher over those who managed claims independently.

Public adjusters provide comprehensive services throughout the claims process. They conduct thorough assessments of the damages, and prepare and file the necessary documents, and handle all communications with insurance companies. This kind of professional assistance significantly cuts down the amount of time and anxiety that comes with filing claims, allowing policyholders to concentrate on recovering.

Operating mostly on a contingency fee basis which typically range between 10 and 20 percent of the final settlement, public adjusters are paid to ensure the maximum possible compensation to their customers. The fee structure varies depending on the complexity of the claim state regulations, as well as required resources.

These professionals have extensive knowledge of insurance policies, building codes, and construction costs. They use this knowledge to:

  • Speed up the claims process
  • Document and assess damages thoroughly
  • Navigate complex policies
  • Directly negotiate with insurance carriers
  • Make sure you are in compliance with deadlines for filing and additional policy requirements

Research has clearly shown that professional representation during the claim process typically results in more comprehensive settlements as well as quicker claim resolution times. Public adjusters’ understanding of insurance regulations and industry practices can prevent common mistakes that could hinder or delay settlements.

Related Story: Are Public Claims Adjusters Worth It?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.

Industry research and industry analysis show the hiring of a public insurance adjuster can substantially increase policyholder settlements for claims. According to a landmark research study by the Office of Program Policy Analysis and Government Accountability (OPPAGA), policyholders who employed public adjusters received settlements up to 800% more than those who handled claims themselves.

Public adjusters in Detroit, Michigan serve as licensed professionals who advocate exclusively for policyholders during the claim process. The National Association of Public Insurance Adjusters (NAPIA) states that these state-licensed professionals provide detailed claims management services, which include detailed documentation of property damage as well as policy interpretation as well as settlement negotiations with insurance companies.

The value of representation by a professional is particularly evident in final settlement figures, as professionally managed claims usually result in more thorough damage assessments, and more accurate valuations of losses.

Public adjusters streamline the claims process by:

  •  Managing all correspondence and documentation with insurance companies    
  • Conducting thorough property damage assessments  
  • Preparing comprehensive claim submissions
  • Negotiating directly with insurance companies    
  • Accelerating the settlement timeline  
  • Ensuring compliance with policy requirements and deadlines  

Most public adjusters work on the contingency fee basis, that typically range between 10 and 20% of the final settlement amount. This fee structure aligns the adjuster’s interests with the policyholder’s, as their compensation depends on securing a favorable settlement.

A Public adjuster’s expertise often proves invaluable in complex claims, where technical knowledge of building codes, construction costs, & insurance policy provisions can significantly impact settlement outcomes.

Their professional oversight helps ensure no covered damages are missed and claims are properly valued according to the current market conditions.

Related Story: When Should I Retain A Public Insurance Claims Adjuster?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.

Public adjusters typically operate on a contingency fee basis, charging between 10% to 20% of the final insurance claim settlement. According to the National Association of Public Insurance Adjusters (NAPIA), these fees vary based on claim complexity, state regulations, and required resources. The contingency fee structure ensures that public adjusters’ interests align directly with those of their clients, as their compensation depends on securing favorable settlements. 

Before engagement, policyholders should carefully review fee arrangements and contract terms, ensuring clear understanding of the service agreement. According to the Insurance Information Institute (III), public adjusters must maintain state licenses and adhere to strict professional standards, providing an additional layer of consumer protection. Their role becomes particularly valuable in complex claims where specialized knowledge can significantly impact settlement outcomes.

landmark study by the Office of Program Policy Analysis and Government Accountability (OPPAGA) demonstrated that policyholders who engaged public adjusters received settlements up to 800% higher than those who handled claims independently. This significant difference underscores the value these professionals bring to the claims process.

Related Story:How Does A Public Insurance Claims Adjuster Work?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.

Complex insurance claims usually require experienced professionals to navigate effectively. Public insurance adjusters, state-licensed professionals who work exclusively for policyholders, can have a significant impact on the outcome of claims and settlement amount.

There are a variety of scenarios that require the use of a public adjuster:

  • Extensive property damage
  • Claims involving multiple coverage types
  • Disputed claims or partial claim denials      
  • Complex documentation requirements
  • Time-sensitive situations requiring immediate attention

Public adjusters streamline the claims process by:

  • Conducting thorough damage assessments
  • Preparing and filing the required documentation 
  • Communication with insurance companies 
  • Settlement negotiations on behalf of the policyholders 
  • Ensuring compliance with the policy conditions and deadlines

Public adjusters particularly benefit policyholders because of:

  • Reducing stress by utilizing professional claim management
  • Accelerating the settlement process 
  • Providing independent damage assessment
  • Ensuring comprehensive documentation
  • Utilizing industry-specific expertise to ensure fair settlements

Related Story:Are Public Insurance Claims Adjusters Legit?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.

Navigating the insurance claims process requires careful timing and professional expertise. Understanding when to engage a Michigan public adjuster can significantly impact claim outcomes and settlement amounts. According to the National Association of Public Insurance Adjusters (NAPIA), policyholders can benefit from hiring a public adjuster at any point during an active claim, though earlier engagement typically yields better results.

Key timing considerations include:

Statute of Limitations:

  • Each state maintains different deadlines for filing insurance claims
  • Claims must be initiated within these legal timeframes
  • Public adjusters can assist with existing claims, even if initially filed independently

Documentation Requirements:

  • Public adjusters help organize and prepare comprehensive claim documentation
  • They can recover or reconstruct missing documentation
  • Professional documentation improves claim validity and settlement potential

Claim Status:

  • Active claims benefit from professional representation
  • Denied claims may be reopened with proper documentation
  • Disputed settlements can be renegotiated

Public adjusters provide valuable services throughout the claims process Including:

  • Expedited claim processing through professional management
  • Expert negotiation with insurance carriers
  • Complete documentation preparation and submission
  • Regular communication with insurance companies
  • Stress reduction through professional claim handling
  • Maximum settlement potential through experienced representation

Related Story:Common Public Claims Adjuster Pitfalls & How To Avoid Them

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.

The decision to employ a state-licensed public claims adjuster, even if an insurance company has appointed its own adjuster, could significantly impact the outcome of an insurance claim.

Although the insurance company adjusters work for their employer’s interests … public claims adjusters In Detroit, Michigan serve as dedicated advocates for policyholders. The National Association of Public Insurance Adjusters (NAPIA) emphasizes that these state-licensed & regulated professionals work independently, ensuring fair settlement of claims and a thorough coverage interpretation.

Public adjusters streamline the claims process by managing the documentation, making complete assessment of the damage and coordinating all communications with insurance companies. This type of professional intervention usually speeds up claim resolution and reduces homeowners’ administrative burdens.

The importance of public adjusters isn’t only limited to monetary benefits. They offer professional guidance throughout the claims process, providing the complexities of policy and ensuring that all damage is properly documented and valued.

They make specific damage estimates, gather the necessary evidence, and deal directly with insurance carriers for the highest settlement outcome.

Insurance claims are complicated and time-consuming which makes professional representation essential during major loss events. Public adjusters’ expertise in negotiation and interpretation of policies usually results in more comprehensive settlements that cover the obvious as well as hidden losses.

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.

Related Story:How Do Public Claims Adjusters Get Paid And Who Pays Them?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.

While policyholders are entitled to file insurance claims on their own, data from experts in the industry suggest this approach may not yield optimal results.

Key challenges of self-filing include:

  • ​​​​Complex documentation requirements and policy interpretation
  • Time-intensive communication with insurance representatives
  • Risk of overlooking covered damages or benefits
  • Potential undervaluation of claims by insurance companies
  • Limited-to-zero negotiation experience with insurers

​​​​licensed public adjusters provide significant advantages in the claims process: 

  •  
    1. Professional Documentation and Assessment – Public adjusters thoroughly document damages, and prepare complete claim files, and handle all necessary paperwork, making sure no detail is left unnoticed.
    2. Time and Stress Management – These professionals manage all communication with insurance companies, allowing homeowners to focus on recovery while speeding the process of filing claims.
    3. Expert Negotiation – With a vast understanding of regulations and rules governing insurance policies, public adjusters negotiate directly with insurance companies in order to secure fair settlements.
    4. Cost-Effective Service – Public adjusters typically work on a contingency-fee basis, usually ranging from 10-20% of the settlement amount, which ensures the best interests of the policyholder.

The National Association of State Insurance Commissioners (NAIC) recognizes public adjusters as licensed professionals who represent policyholders’ interests during the process of settling claims. Their expertise can be useful in complicated claims or when significant damages are involved.

Industry statistics consistently indicate that professional representation by state-licensed public claims adjusters leads to more favorable outcomes for policy holders, with faster processing, and more complete settlement packages.

Related Story:How Much Do Public Adjusters Cost

Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.

Although contractors frequently offer negotiations with insurers this strategy can have serious risks and restrictions. According to the National Association of Insurance Commissioners (NAIC), contractors are not legally authorized and lack expertise to be official representatives in insurance claim negotiations.

This limitation could greatly affect the outcomes of a claim and potentially limit your rights as a owner of the policy.

State insurance departments oversee licensed public adjusters, who go through extremely specialized training, must pass Federal background checks, & require specialized licenses from the state before they can operate. They also have the legal authority to represent the policyholder in order to protect and defend their rights … legal authority that contractors do not have … making them the legal and comprehensive alternative to representation by contractors.

Public Adjusters specialize in interpreting insurance policies, documenting damages, and working with insurance companies in order to secure fair claim compensation.

Public adjusters provide several distinct advantages, such as:

  • Expert claim documents and filing
  • Professional negotiation with insurance companies
  • Comprehensive damage assessment
  • Expedited claim processing
  • Stress reduction by a complete claim management

The National Association of Public Insurance Adjusters (NAPIA) insists on the fact that public claims adjusters need to maintain professional licenses and adhere to strict ethical standards, thereby providing the additional level of consumer protection not available with contractor representation.

For more complex claims for more complex claims, public adjusters are experts in interpreting policies, document requirements and negotiation techniques often is invaluable, and can help avoid costly mistakes and claims denials that might occur with negotiation led by contractors.

Related Story:When Is It Too Late To Hire A Public Insurance Claims Adjuster?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.

If insurance settlements are not sufficient to cover property damages, policyholders retain several legal options for seeking additional compensation, even after the initial settlement of their claim.

As per the National Association of Insurance Commissioners (NAIC), the policyholders must carefully evaluate their settlement terms and related documentation before accepting the final settlement.

The timing and the circumstances for pursuing additional compensation are critical elements, as most insurance policies include specific timeframes for dispute resolution or appeals, typically between one and two years after the settlement date.

Licensed public adjusters are vital in re-assessing settled claims and identifying previously missed damages. Public adjusters perform thorough property assessments, document any additional damage, and negotiate with insurance carriers for policyholders.

The most important steps to pursue additional compensation include:

  1.  Document newly discovered damages
  2. Review the policy terms and settlement agreements
  3. Gather supporting evidence and estimates
  4. Request professional representation from a state-licensed public insurance adjusters

The National Association of Public Insurance Adjusters (NAPIA) stresses that public adjusters are often able to spot overlooked damages and policy provisions which allow for an additional amount of compensation. Their experience in policy interpretation and claim valuation proves particularly valuable when challenging settled claims.

Policyholders should respond quickly when they discover insufficient settlement amounts, since delay could hinder their ability to collect additional compensation. When utilizing a Public Claims Adjusters Network (PCAN) member Public Insurance Claim Adjuster, the claim review and negotiation process typically progresses more efficiently than policyholder-directed efforts. 

Disclaimer: *Some Services Not Available In All Areas. The use of contingency fees is not permitted in Louisiana.

No. Insurance companies cannot legally cancel policies solely because policyholders hire public adjusters to represent their interests during the claims process, according to the National Association of Insurance Commissioners (NAIC). Policy cancellations are strictly governed by contractual terms and state regulations, typically limited to specific circumstances such as non-payment of premiums or material misrepresentation.

The National Association of Public Insurance Adjusters (NAPIA) emphasizes that hiring a licensed public claims adjusters is a protected right of policyholders. These professionals serve as advocates during insurance claims, handling documentation, negotiations, and communications with insurance carriers to expedite settlements.

The Insurance Information Institute (III) confirms that policyholders maintain the right to professional representation during claims processes, and insurers must honor this right while adhering to fair claims handling practices.

Related:Public Claims Adjusting Guides & Resources

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

The Homeowners Insurance Claims Recovery Process In Detroit, Michigan

Michigan state-licensed public insurance adjusters are fluent in “Insurance Policy Jargon”, and will guide you through the entire property insurance claims process, while they fight to make sure you get the highest & most fair compensation possible for your claim!

Step #1

Make Sure Your Family Is Safe

When disaster strikes, the priority is to make sure your family is safe. Always have an emergency bag!

Step #1

Step #2

Contact A PCAN Public Adjuster In Detroit, Michigan

Contact one of the PCAN verified and state-licensed public insurance adjusters to schedule an appointment for them to come out & meet with you to inspect the damage.

Step #2

Step #3

Thorough Review Of Your Policy

Your public claims adjuster will conduct a comprehensive review of your policy, note any coverage restrictions, coinsurance requirements, limitations, and review additional options that may be available to you.

Step #3

Step #4

Create A Claims Strategy That Works For Your Specific Goals & Needs

Your public insurance claims adjuster will discuss what is most important to you when it comes to your claim, then create & tailor the right claims strategy to take care of your family.

Step #4

Step #5

Public Adjuster Takes Care Of All Insurance Related Paperwork, Negotiations, & Follow Up.

Once you have agreed on a strategy, your public claims adjuster will:

  • Meet with insurance company adjusters & personnel at the loss/damage location.
  • Agree to the scope of damages & make sure that they are including all the damages in the scope, as well as clearly deciding on what should be repaired vs. replaced.
  • Prepare a detailed reconstruction estimate.
  • Prepare a detailed inventory of personal property.
Step #5

Step #6

Negotiations & Final Settlement

Your public insurance claims adjuster will work to make sure you receive the highest settlement possible under your specific insurance policy.

Step #6

Step #7

Restoration | Reconstruction | Relocation

Your public insurance adjuster will negotiate with the insurance company to ensure that you can achieve your specific goals. Whether that’s full or partial restoration, rebuilding your property, or a full-relocation.

Step #7

(Click To Expand Infographic)

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

Learn How Detroit Public Claims Adjusters Can Get You More From These Kinds Of Homeowners Insurance Claims

Public Adjusters Detroit, Michigan

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

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A glossary of insurance terms provides insight to policyholders of critical terms and definitions commonly used to clarify various aspects of coverage and claims.

Key concepts include such terms as Actual Cash Value (ACV) Vs. Replacement Value, a method for determining compensation based on replacement costs minus depreciation, and Additional Living Expenses, which cover necessary living costs when a home is uninhabitable.

For example, understanding your homeowners insurance policy declaration page, common homeowners deductibles for various types of home damage, the general policy exclusions standard in many homeowners insurance policies, can bring much-needed awareness & clarity to policyholders of potential insurance policy terms that may affect their claim outcomes. For example, knowing which key documents (such as photographs and receipts) are essential for substantiating claims.

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Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

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Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

Detroit
City
Official Seal Of Detroit
Etymology: French: détroit (strait)
Nicknames: 
The Motor City, Motown, and others
Motto(s): 
Speramus Meliora; Resurget Cineribus
(Latin: We Hope For Better Things; It Shall Rise From the Ashes)
Map
Interactive map of Detroit
Detroit Is Located In Michigan
Detroit
Detroit
Detroit Is Located In The United States
Detroit
Detroit
Coordinates: 42°20′N 83°03′W / 42.333°N 83.050°W / 42.333; -83.050
Country23Px Flag Of The United States.svg United States
State23Px Flag Of Michigan.svg Michigan
CountyWayne
Founded
(Fort Detroit)
July 24, 1701 (1701-07-24)
Incorporated aSeptember 13, 1806 (1806-09-13)
Founded byAntoine de la Mothe Cadillac (1658–1730) & Alphonse de Tonty (1659–1727)
Named forDetroit River
Government
 • TypeStrong Mayor
 • BodyDetroit City Council
 • MayorMike Duggan (I)
 • ClerkJanice Winfrey
 • City council
Members
  • Mary D. Waters – At Large
  • Coleman Young II – At Large
  • James Tate – District 1 Northwest
  • Angela Calloway – District 2 Near Northwest
  • Scott Benson – District 3 Northeast
  • Latisha Johnson – District 4 Far East Side
  • Mary Sheffield – District 5 Central-Near East Side
  • Gabriela Santiago-Romero – District 6 Southwest
  • Fred Durhal III – District 7 West Side
Area
 • City
142.89 sq mi (370.09 km)
 • Land138.73 sq mi (359.31 km)
 • Water4.16 sq mi (10.78 km)
 • Urban
1,284.8 sq mi (3,327.7 km)
 • Metro
3,888.4 sq mi (10,071 km)
Elevation
656 ft (200 m)
Population
 (2020)
 • City
639,111
 • Estimate 
(2023)
633,218
 • Rank78th in North America
26th in the United States
1st in Michigan
 • Density4,606.84/sq mi (1,778.71/km)
 • Urban
3,776,890 (US: 12th)
 • Urban density2,939.6/sq mi (1,135.0/km)
 • Metro
4,365,205 (US: 14th)
DemonymDetroiter
GDP
 • Metro$331.333 billion (2023)
Time zoneUTC−5 (EST)
 • Summer (DST)UTC−4 (EDT)
ZIP Codes
482XX
Area code313
FIPS code26-22000
GNIS feature ID1617959
Major airportsDetroit Metropolitan Airport, Coleman A. Young International Airport
Mass transitDetroit Department of Transportation, Detroit People Mover, QLine
Websitedetroitmi.gov

Detroit ( dih-TROYT, DEE-troyt) is the most populous city in the U.S. state of Michigan. It is situated on the bank of the Detroit River across from Windsor, Ontario. It had a population of 639,111 at the 2020 census, making it the 26th-most populous city in the United States and the largest U.S. city on the Canada–United States border. The Metro Detroit area, home to 4.3 million people, is the second-largest in the Midwest after the Chicago metropolitan area and the 14th-largest in the United States. The seat of Wayne County, Detroit is a significant cultural center known for its contributions to music, art, architecture and design, in addition to its historical automotive and industrial background.

In 1701, Royal French explorers Antoine de la Mothe Cadillac and Alphonse de Tonty founded Fort Pontchartrain du Détroit. During the late 19th and early 20th century, it became an important industrial hub at the center of the Great Lakes region. The city’s population rose to be the fourth-largest in the nation by 1920, with the expansion of the automotive industry in the early 20th century. One of its main features, the Detroit River, became the busiest commercial hub in the world. In the mid-20th century, Detroit entered a state of urban decay which has continued to the present, as a result of industrial restructuring, the loss of jobs in the auto industry, and rapid suburbanization. Since reaching a peak of 1.85 million at the 1950 census, Detroit’s population has declined by more than 65 percent. In 2013, Detroit became the largest U.S. city to file for bankruptcy, but successfully exited in 2014.

Detroit is a port on the Detroit River, one of the four major straits that connect the Great Lakes system to the St. Lawrence Seaway. The city anchors the third-largest regional economy in the Midwest and the 16th-largest in the United States. It is also best known as the center of the U.S. automotive industry, and the “Big Three” auto manufacturers—General Motors, Ford, and Stellantis North America (Chrysler)—are all headquartered in Metro Detroit. It houses the Detroit Metropolitan Airport, one of the most important hub airports in the United States. Detroit and its neighboring Canadian city Windsor constitute the second-busiest international crossing in North America, after San Diego–Tijuana.

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Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.