Frequently Asked Questions

Need to know how many hours of CE you’ve accumulated or have left? Or perhaps you want to check on the last time you took “Course XYZ” to ensure you can take it again during this compliance cycle. Checking your transcripts is relatively easy these days. (Thankfully!) Your hours are submitted to your state’s preferred database where you can check them anytime. Just remember you’ll need to create an account and load your license details first.

Here’s a list of where you can view your CE transcript. Just click on the linked title to navigate to the correct site for your state.

SIRCON

California, Colorado, Georgia, Indiana, Minnesota, Mississippi, Nevada, North Carolina, Texas, Utah, Wyoming

State Based Systems (SBS)

Alabama, Alaska, Arkansas, Delaware, Idaho, Montana, New Hampshire, New Mexico, Oklahoma, Oregon, West Virginia

Florida: My Profile

Louisiana: LDI

Washington: OIC Services

Our team is passionate about providing the best insurance training courses and online classroom experience in the industry. We are committed to helping you succeed at every step of your adjusting career.

At AdjusterPro, we believe in serving our customers with transparency, honesty, and adhering to the Golden Rule, treating others as we would want to be treated.

Building our company upon these principles, here are a few other ways we differentiate from the competition:

• We offer over 170 courses – the most comprehensive catalog in the country
• Our simple, engaging online training was created to help you comprehend and retain information
• Keeping your license compliant is simple with our convenient continuing education courses
• You’ll receive honest answers from our dedicated (real-people) customer engagement team
• 50 states strong: we offer a path to licensing for every state
• Over 50,000 people have trained with us
• 8 of the country’s top 10 insurance carriers train with AdjusterPro
• 98.4% customer satisfaction rating
• AdjusterPro is more than just online courses. We’re the nation’s go-to resource for all things adjuster. Whether it’s licensing, reciprocity, CE, networking, tips of the trade, or career advice, we’ve got you covered.

Whether you are just starting to explore the insurance claims industry, a Fortune 500 company, or are a veteran adjuster looking for additional training, we are here to help you reach your goals and achieve success.

In most states, you need to be licensed to adjust claims. The process, steps, and fees vary a bit by state but generally follow the same pattern. Get your home state, or Designated Home State (DHS) license if you live in a nonlicensing state. You need to take and pass your state adjuster exam, and submit a license application.

To see detailed instructions for your specific state, visit Adjuster Licensing. 

The amount of money an adjuster makes is largely dependent on how efficient they are at their job. Independent adjusters are paid on a ‘fee schedule’ where they receive a percentage of each of the claims closed. The percentage offered can vary based on a few factors: how often they work, the employer, the adjuster’s experience level, and the demand for adjusters at any given time.

Large-scale disasters, like hurricanes Harvey and Irma, can create competition for adjusters so IA firms will alter their pay percentages to try and attract the best workforce. During these periods, experienced adjusters can make $100,000 in just a few months. But remember, you are an independent contractor and these periods are not predictable or reliable. You need to know how to manage the booms and droughts to remain successful long term. The current average salary for an adjuster is roughly $70,000 but again, that varies. The top 10% of earners make closer to $100,000 annually, even in down years. Adjusters who won’t travel, get too picky with assignments, or only work a few months a year earn closer to $40,000.

If you want to learn more, read our How Much Does an Insurance Adjuster Make? blog article.

Xactimate, created by Verisk, is the industry’s most popular claims adjusting software. Adjusters no longer have to write claims by hand, reference pricing books, and use calculators to perform a complete estimate. The Xactimate platform has automated most of those tasks, enabling the adjuster to perform inspections and adjustments much faster.

The software was designed specifically for construction professionals, restoration specialists, and claims adjusters. Xactimate helps adjusters:

• Save time and money in creating estimates
• Create more accurate, detailed, and professional-looking estimates
• Access the most up-to-date and reliable pricing information
• Sketch complicated roofs, rooms, layouts, and structures
• Automate and streamline your estimating processes
• Organize and manage your projects
• Overcome language barriers in preparing estimates

See a complete list of features at Xactimate.com

Our courses were built to work on all iPads and tablets. Layouts, scrolling, and displays will vary depending on the device you have, and performance will vary depending on the browser the device uses. Our courses are fully HTML5 compatible so you can experience the course on your smartphone as well.

This makes working on your course possible wherever you go!

However, for the best experience, we still recommend a desktop or laptop. This is especially important when taking your exam as you’ll want to make sure you have reliable wifi and are in a location where you can concentrate.

Information on Xactimate Webinar

Please be aware that Xactimate software, including the version used in our live Tactical Xactimate Training webinar, has its own set of system requirements. This is a robust software program that requires more computer power than our standard courses or than is available on some types of tablets. You can view a complete list of accepted device types and operating systems on the Xactimate Systems Requirements page.

We’ve trained tens of thousands of adjusters over the last decade, and it’s become clear that proficiency in Xactimate is the single most important technical skill a new adjuster must acquire. In fact, “are you familiar with Xactimate?” is one of the most frequently asked questions in interviews and on applications. Knowing your way around the software not only sets you ahead of the curve in the employment line, it means you can get to work adjusting claims immediately once you’re deployed. You’ll be able to work through inspections and adjustments faster and with more accuracy, which is truly money in your pocket.

If you live in a non-licensing state, you should obtain a “Designated Home State” or DHS license. A DHS license basically works just like having your home state license and is vital if you want to work any claims outside of your non-licensing state. If you live in Kansas for example, you can adjust claims there without a license, but you can’t go work claims in Florida or Texas. While a host of different states offer a DHS license, we recommend obtaining the Florida 70-20 Nonresident DHS license. It offers great reciprocity and Florida has the quickest application turnaround time in the country.

States that do not currently license adjusters: Colorado, District of Columbia, Illinois, Iowa, Kansas, Maryland, Massachusetts, Missouri, Nebraska, New Jersey, North Dakota, Ohio, Pennsylvania, South Dakota, Tennessee, Virginia, and Wisconsin.

Reciprocity, or reciprocal licensing privileges, allows a licensed adjuster to obtain another state(s) license without having to pass that specific state’s exam. Thank goodness, right? Once you have your home state or DHS license, you can apply for other state licenses through reciprocity.

It’s not automatic – you will need to complete the required paperwork and submit the licensing fees but most licensing states are now reciprocal with each other, as long as the license your home state or DHS license holds more lines of authority than what you are requesting. For example, if you hold a P&C Adjuster License, you are only qualified for a P&C reciprocal license in another state. You can not obtain a reciprocal All-Lines license if your home state or DHS license is for P&C because it covers fewer lines of authority.

There are some additional caveats – New York, California and Hawaii do not reciprocate with any other state for example. You can read more about the importance of reciprocity in our Reciprocity: The Truth About Licensing Agreements article.

It’s also important to note that reciprocity doesn’t always go both ways. For example, New York doesn’t offer reciprocal licenses to licensed adjusters from any other state. However, there are plenty of states that will offer licensed New York adjusters a reciprocal license.

To learn what states will offer you a reciprocal license, visit the AdjusterPro Reciprocity Map and click on your state.

Si vive en un estado sin licencia, debe obtener una licencia de “Estado de origen designado” o del “DHS.” Una licencia del DHS básicamente funciona igual que tener la licencia de su estado de origen y es vital si desea tramitar cualquier reclamo fuera de su estado sin licencia. Si vive en Kansas, por ejemplo, puede ajustar los reclamos allí sin una licencia, pero no puede trabajar en Florida o Texas. Si bien muchos estados diferentes ofrecen una licencia del DHS, recomendamos obtener la licencia del DHS para no residentes 70-20 de Florida. Ofrece una gran reciprocidad y Florida tiene el tiempo de respuesta de solicitudes más rápido del país.

Estados que actualmente no otorgan licencias a los ajustadores: Colorado, Washington D.C., Illinois, Iowa, Kansas, Maryland, Massachusetts, Missouri, Nebraska, New Jersey, North Dakota, Ohio, Pennsylvania, South Dakota, Tennessee, Virginia, y Wisconsin.

Florida otorga licencias recíprocas a los ajustadores que tienen licencia en un estado que tiene un acuerdo recíproco con Florida. AZ, CA, HI, NM, y NY no tienen acuerdos recíprocos con Florida. Puede ver todos los detalles sobre la reciprocidad para los ajustadores de Florida en nuestro Mapa de Reciprocidad de Florida.

También hay más información disponible en Reciprocidad del Ajustador de FLDFS.

• Curso de designación de ajustador certificado de Florida: $299
• Tarifa inicial de licencia y solicitud: $57.45
• $57.45 incluye una tarifa de solicitud de $50, una tarifa de identificación de licencia de $5 y una tarifa de conveniencia de la compañía de tarjeta de crédito de $2.45
• Tarifa de huellas dactilares: $48.55
• Sin tarifa de renovación
• Tarifa de nombramiento de ajustador independiente: $60
• + Comisión de conveniencia de la compañía de tarjeta de crédito: 3,3% de la transacción

Para obtener su licencia de ajustador de la Florida, complete los siguientes pasos:

1.  Cumplir con los requisitos básicos de licencia de ajustador de la Florida

• • Ser persona natural mayor de 18 años
  • Ser residente del Estado de Florida
  • Ser ciudadano estadounidense o extranjero legal que posea una autorización de trabajo de los Servicios de Inmigración y Naturalización de los Estados Unidos

2. Complete el curso de designación certificada de la Florida requerido con examen estatal a través de AjustadorPro

3. Envíe su solicitud a través de MyProfile. Asegúrese de comprender y solicitar el tipo de licencia correcta de Florida.

4. Procesar y enviar huellas dactilares de acuerdo con las instrucciones de los Requisitos de huellas dactilares del Departamento de Servicios Financieros de Florida (FLDFS)

5. Si es necesario, presente documentación de prueba de ciudadanía.

6. Los solicitantes preocupados por cuestiones de antecedentes penales pueden obtener más información en la página de antecedentes penales de FLCFO.

7. Verifique si su licencia ha sido emitida iniciando una sesión en MyProfile

8. PARA AJUSTADORES INDEPENDIENTES: Florida requiere que usted mismo designe su licencia. Una vez que tenga su número de licencia, complete los siguientes pasos:

• • Vaya a MyProfile e inicie una sesión en su cuenta.
  • Seleccione el botón “Acceder a eAppoint” en “Aplicar”. Si nunca ha utilizado eAppoint, primero debe registrarse y deberá seleccionar “Registrarse para convertirse en una entidad nominadora”.
  • Una vez en eAppoint Workbench, seleccione la pestaña requerida (Nueva cita, Renovar cita o Terminar cita).
  • Sigue las instrucciones de la página.
  • Pague la tarifa de $60.
  • Los nombramientos deben renovarse cada 24 meses durante el mes de nacimiento del designado.

Consulte detalles adicionales de la licencia, incluida información para no residentes en Información de licencias de FLDFS. O lea las instrucciones completas sobre licencia y cumplimiento en nuestro artículo Cómo convertirse en un ajustador de seguros en Florida.

La pasión de nuestro equipo es poder proveer el mejor entrenamiento y experiencia en cursos en línea de la industria. Estamos comprometidos en ayudarle en cada paso en su carrera en aseguranzas.

En AdjusterPro, creemos en tratar a nuestros clientes con transparencia, honestidad, y siempre teniendo en mente de tratar a otros como quisiéramos ser tratados.

• Ofrecemos mas de 70 cursos, los más compresivos en el país
• Simples, y interactivos creados para ayudarle a comprender y retener información
• Clases en linea breves
• Conformidad fácil con nuestros cursos de educación continua
• Respuestas honestas de nuestro equipo de representante al cliente con (personas-reales) y dedicadas
• Con 50 estados, ofrecemos el camino para su licencia en cada estado
• Hemos entrenado a mas de 50,000 personas
• 8 de las 10 mejores agencias de aseguranzas entrenadas por AP
• 98.4% de satisfacción por clientes
• El mejor recurso en todo perteneciente de conformidad, las redes, consejos del trabajo, y otra información valiosa perteneciente de la industria de aseguranzas

Si es alguien explorando el campo de aseguranzas, una compañía de 500, o un veterano en aseguranzas buscando más entrenamiento, estamos aquí para ayudarle en alcanzar sus metas y éxito.

We want you to have a smooth, hassle-free exam experience. Please read through the following tips before starting your online exam.

For your internet browser:

• Please remember to not use the back button during the exam.
• Ensure that your internet browser is updated to the most recent version. We recommend using Google Chrome as it typically works best with our systems.
• Clear your internet browser’s cookies and cache. For a guide on how to do this, click here.
• Disable any ad blockers before starting the exam.

Restart your computer or check for a general software update on your computer’s operating system:

• For a guide on how to check for updates on Windows computers, click here.
• We recommend updating to at least Windows 10 if you have not already done so.
• If you are using Windows 10 or 11, check to make sure you are not in S mode, and if so, please disable it.
• For a guide on how to check for updates on Mac computers, click here.

Ensure the best internet connection possible:

• Use an ethernet cable if possible.
• Restart your router if using wifi.
• Sit close to your router if using wifi.
• Turn off other wifi devices to reduce the amount of traffic on your network.
• Disable any extraneous network firewalls.
• If you are using a VPN service, disable it if possible.

If you have access to a faster or more modern computer than the one you are currently using, consider using it for the exam.

Your course will perform best on a desktop or laptop computer that is less than 3 years old. Either a PC or a Mac will work well. While not a requirement, the course is best viewed using a minimum screen resolution of 1024 x 768.

Information on Xactimate Webinar

Please be aware that Xactimate software, including the version used in our live Tactical Xactimate Training webinar, has its own set of system requirements. This is a robust software program that requires more computer power than our standard courses or than is available on some types of tablets. You can view a complete list of accepted device types and operating systems on the Xactimate Systems Requirements page.

Web Browsers

We support the current and the previous major release of Chrome, Firefox, Safari, and Microsoft browsers. This currently includes Microsoft Edge and Internet Explorer. Each time a new browser version is released, we begin supporting that version and stop supporting the third most recent version.

Mobile Browsers

• Current and previous Android versions
• Current and previous iOS versions

Yes, an internet connection is required to log in and view your online course. AdjusterPro courses offer a range of multimedia features, and we recommend that you have a good broadband or network connection for the best experience.

If you have problems with the audio in your course, we recommend that you check your internet connection and reset if necessary; clear your cache; and update your browser or try another browser.

Additionally, check your speaker/headphone connection and your audio system preferences.

If you have problems viewing a video in your course, we recommend that you check your internet connection and reset if necessary; clear your cache; and update your browser or try another browser.

You may find this instruction helpful: http://wistia.com/doc/troubleshooting#playback

Overall, it is a good idea to clear out your search history, cookies, and cache regularly. You can find instructions on how to clear your cache here.

If you can’t find your password or want to reset it, visit the login page and click on “Forgot Your Password?” In the next box, enter the email address associated with your course. You will receive an email with a link that will allow you to set a new password.

Inside adjusters, sometimes referred to as “desk” or “remote” adjusters handle claims from an office or call center. They are the policyholder’s main contact and the person who ultimately applies the insurance policy terms and standards to the claim. But they don’t actually go into the field and inspect the claim.

Insurance claims that get assigned to an inside adjuster are often small claims, those that equal $3,000 or less. Theft, vandalism, or a small kitchen fire are examples of claims that may be assigned to a desk adjuster. But to settle the claim, information and proof are still required so inside adjusters may work with field adjusters or third-party inspection companies to obtain the information and photos they need for the claim file.

To learn more, read our Inside Adjusting blog article.

For years we’ve been asked whether or not you need to know construction to be an insurance adjuster. Like any new career or job, there are things you’re going to need to learn. In insurance claims, constructions basics, estimating software, and insurance policies are just some of the areas that are vital to understand if you want to be successful. But just because you aren’t an expert in those areas today does not mean you can’t become one.

If you aren’t familiar with construction basics, we encourage you to enroll in our Construction 101 for Insurance Adjusters course. This course was developed for those who want to become an insurance adjuster but haven’t spent any time in the building industry. We’ll cover the topics and terminology, for construction and roofing, that you need to know to start your career. You can read more about the course and why it’s so important in our Construction for Insurance Adjusters blog article.

At the end of the day, you don’t need to know how to build a house from the ground up to be a successful adjuster. You will, however, need to know the basics so you can assess the damage properly and input the right information into the estimatics software. But don’t walk away if you aren’t there today! Our course will set you up for success once you hit the field.

The spike in insurance claims after a major storm means that it will be very hard to fill every spot needed to meet the demand. Remember, insurers are on a strict time table when it comes to claims. They still have to contact, inspect, settle, and pay claims within a certain time period or face financial penalties and potential public relations issues if they can’t meet their policy obligations.

And when a mass of adjusters are deployed to an area to handle disaster claims, they leave open jobs all over the country where daily claims or smaller storm claims still need to be handled. Hurricane Harvey was a good example of this. As thousands and thousands of adjusters were deployed to Texas and Louisiana, there were far too few adjusters left to handle claims elsewhere. Our IA firm partners were reaching out to us not for help with Harvey, but because they had no adjusters left to handle claims in places like New York, Oklahoma, and Michigan.

And while there is a large number of licensed adjusters out there, but many do not use their license all year, some only work certain areas or claims, and some never use it at all. And every year adjuster licenses aren’t renewed for a number of reasons. It’s also important to note that the insurance industry is losing employees from every department at record numbers as baby boomers, who make up most of the industry, are retiring.

In almost any scenario, most companies prefer someone with job experience over someone brand new, but that doesn’t mean you can’t get hired. But you do need to put in the work. Get licensed. Learn Xactimate. Apply to rosters and take advantage of the trainings offered by IA Firms.

The hardest part about getting started as an independent adjuster is usually getting training with a firm and landing that first deployment. During a large catastrophe, the demand is so great they often have to immediately pull a large number of adjusters in to meet it and that often includes new or inexperienced adjusters. During these spurts, companies will also typically ramp up their training, making it easier for you to meet managers, get training, and be assigned claims. The immediate need for adjusters plus increased training opportunities, combined with the massive numbers of disaster claims usually result in storms offering new adjusters a peak chance to break into the field.

It’s important to note that right now, the insurance industry is losing thousands of employees in all sectors to retirement. So while catastrophes are well known for offering new folks great opportunities to get hired, it is by no means your only chance.

It can be challenging for new insurance adjusters to learn the actual job duties until they’re ON the job. But there are a few things you can do to set yourself up for success.

• Our newest course: Construction 101 for Insurance Adjusters is a great course for those with little to no experience in the construction or building industry. It’s also the perfect course to take before Xactimate Training. We partnered with AdjusterPro Alum and veteran adjuster Matt Daniels to create this training for new adjusters who want to hit the ground running. This course, (one of the most requested, by the way,) covers basic and commonly found materials, taking you from foundations to framing, from siding to roofing, and from interior flooring to finishes throughout the home. Read more about Matt’s story and the course in Construction for Insurance Adjusters.
• We recently partnered with veteran adjusters John O’Brien and Peter Gaetano to launch a one-of-a-kind new training course: The Adjuster Success Method. The course goes beyond licensing and policy to address how to get hired and what tools you’ll need to do the job. From the starting point of being handed your first claim to getting paid and understanding when a claim is truly closed, the course will walk you through every step. The ASM course teaches a system that will not only help you close your first claims, but establish the foundation for a long-lived, successful career. If you want to read more about the course, read John’s Adjuster Success Method blog article.
• Learning Xactimate is something you see us recommend again and again for new adjusters. AdjusterPro Co-Founder Adam Gardiner wrote a great blog article about his first deployment experience that explains why it’s vital to get a handle on the software before you go into the field. Good Xactimate training, like AdjusterPro’s, not only helps you learn the program itself, but it walks you through how to scope a claim. Then you can take your knowledge and practice in your own home, your friends’ and neighbors’, so you are ready to work fast during a CAT deployment.
• Getting your home state or designated home state license is always the first step to becoming an adjuster. During a catastrophe, the demand for adjusters skyrockets so employers often have to pull in large numbers to meet it. That means they will also typically ramp up their carrier-specific trainings, many of which are required before you can adjust claims for that insurer. (The State Farm Property Adjuster Certification, for example.) But the only way you will be notified or invited to these trainings is to be on their rosters…and you can only be on their roster if you hold a license.

After a large scale catastrophe, insurance adjusters are often hired en masse and quickly deployed to the affected area. Being ready to go before the storm hits can make all the difference in whether or not you get hired. Our Co-Founder, Dan Kerr, wrote a great blog article called ‘Ready for the Storm: What Every New Adjuster Needs to Know‘ that explains the steps you need to put yourself in the best position to find work after a disaster.

In most states, you need to be licensed to adjust claims. The process, steps, and fees vary a bit by state but generally follow the same pattern. Get your home state, or Designated Home State (DHS) license if you live in a nonlicensing state. You need to take and pass your state adjuster exam, and submit a license application.

To see detailed instructions for your specific state, visit Adjuster Licensing. 

The amount of money an adjuster makes is largely dependent on how efficient they are at their job. Independent adjusters are paid on a ‘fee schedule’ where they receive a percentage of each of the claims closed. The percentage offered can vary based on a few factors: how often they work, the employer, the adjuster’s experience level, and the demand for adjusters at any given time.

Large-scale disasters, like hurricanes Harvey and Irma, can create competition for adjusters so IA firms will alter their pay percentages to try and attract the best workforce. During these periods, experienced adjusters can make $100,000 in just a few months. But remember, you are an independent contractor and these periods are not predictable or reliable. You need to know how to manage the booms and droughts to remain successful long term. The current average salary for an adjuster is roughly $70,000 but again, that varies. The top 10% of earners make closer to $100,000 annually, even in down years. Adjusters who won’t travel, get too picky with assignments, or only work a few months a year earn closer to $40,000.

If you want to learn more, read our How Much Does an Insurance Adjuster Make? blog article.

A claims adjuster is a representative of the insurance company. After a policyholder submits a claim, the adjuster comes in to investigate the loss. The loss can be anything from a major home flood or fire to a small window break or fender bender. They inspect homes, conduct interviews, consult records, or perform any number of duties to gather the details surrounding the reported event. The adjuster then interprets the customer’s insurance policy and determines what is covered. In many cases, adjusters negotiate the settlement on behalf of the insurance carrier and may authorize payments to the policyholder.

Nearly anyone can become an insurance adjuster. A college degree is not typically required for independent adjusters but most states require a person to be at least 18 years old. While some adjusters start out in the insurance industry, many folks begin their claims career after work in other fields. Common backgrounds include property construction, inspection, or appraisal, or insurance and real estate sales. These backgrounds lend themselves well to the work of handling claims. However, teachers, farmers, attorneys, plumbers, truck drivers, and a host of other professionals have all made successful transitions into the world of insurance claims adjusting.

Insurance adjusters are needed because settling most types of insurance claims requires human judgment. Every claim is unique in its own way. While we have seen technology change the claims industry – call centers, computers, AI, and bots can’t interpret the subtleties of every home, car, flood, fire, burglary, storm, etc. the way a claims adjuster can. Field adjusters are required to use their senses, intelligence, training, and experience to interpret the insurance claims so both the customer and the insurance carrier receive a fair outcome.

Yes! Much of the new technology has been aimed at streamlining the process, both for customers and adjusters, rather than fully eliminating the personal touch. And the need for adjusters is never higher than after a large scale catastrophe strikes. In 2005 after hurricanes Katrina, Wilma, and Rita, insurance companies were desperate for licensed adjusters. And we have seen a similar situation recently after hurricanes Harvey, Irma, Maria, and Nate. Claims adjusters are some of the first people let into a disaster zone, and in fact, adjusters are often deployed before catastrophe even strikes as in the case of Harvey and Irma. Large scale events also create a domino effect around the country. When so many adjusters get deployed to a catastrophe, it leaves holes in areas all over the US that still need adjusters for daily claims or smaller scale storms and events.

There are two basic employment options for adjusters: staff adjuster or independent adjuster. Staff adjusters work directly for the insurance carrier and independent adjusters work for Independent Adjusting Firms. IA Firms are relatively new in the insurance industry but now play a vital role in claims. Insurance companies know that there will be spikes and dips in claim volume from year to year, and they set policy premiums accordingly. For example, a large insurance company might expect 30,000 claims to be filed in Galveston, Texas during a normal year, but they realize that number could spike to 130,000 if a hurricane hits.

Claims fluctuate throughout a normal year too and these fluctuations present a staffing challenge for insurers. If they keep enough adjusters on the payroll to handle any contingency, they’d be overstaffed 90% of the time, decreasing their profitability. On the other hand, if they keep only a skeleton crew, the delay caused by trying to staff after a large spike would be disastrous for insurance companies. There are strict laws, steep fines, and public relations problems if claims are not handled on time, and it is difficult to hire qualified adjusters on short notice. Enter the Independent Adjusting Firm. Carriers now outsource claims to these firms and in turn, the firms can keep many more adjusters employed regularly.

Independent Adjusters generally work for Independent Adjusting Firms. They go wherever they are needed on a contracted basis. You may get ‘deployed’ for a month to a disaster zone, then have that contract re-upped multiple times and end up staying for 8 months. Where an independent adjuster lives really has no bearing on where he works – which can be a great benefit as you can live where you want rather than where the jobs are. An adjuster may live in Iowa, contract with an Independent Adjusting Firm in Texas, and get deployed to Florida to work claims. As contractors, independent adjusters work for themselves and can take deployments when and where they want. But the most successful adjusters gain the trust of their IA Firm employers by being willing to go when and where they are needed most at any given time.

Staff Adjusters are salaried employees of the insurance carrier. While they may still travel, it is usually much less frequent and only within a specific region. Staff adjusters have steady, reliable work from their carrier which is great for those who may need to stay close to home. But there is an exchange for this benefit as compensation is usually lower than what independent adjusters receive.

We have a host of different articles in The AdjusterPro Blog that discuss what you need to do to find work, the ways to go about it, and the characteristics that will help you stand out to employers. After obtaining your license, we recommend getting on as many IA Firm rosters as possible, and diligently following up with employers in a professional manner.

Adding additional licenses so you can work in multiple states is a big bonus, as is Xactimate certification. Make sure your resume highlights any related experience, especially if you’ve worked in the construction/restoration field, held a different job in the insurance industry, or have customer service experience in difficult situations.

Unfortunately, no. Xactimate and other Verisk products are not supported on MacOS Operating Systems. This means if you have a device that uses the MacOS operating system (mainly Apple desktop and Apple laptop computers), the Xactimate software will not be compatible or useable on that computer. Xactimate does work on most other desktops and laptops that use the Windows operating system. We do recommend you take our course on a windows-based computer as that is what our instructor, as well as most employers, will be using to operate Xactimate.

To see a complete list of accepted device types and operating systems, visit the Xactimate Systems Requirements page.

Xactimate, created by Verisk, is the industry’s most popular claims adjusting software. Adjusters no longer have to write claims by hand, reference pricing books, and use calculators to perform a complete estimate. The Xactimate platform has automated most of those tasks, enabling the adjuster to perform inspections and adjustments much faster.

The software was designed specifically for construction professionals, restoration specialists, and claims adjusters. Xactimate helps adjusters:

• Save time and money in creating estimates
• Create more accurate, detailed, and professional-looking estimates
• Access the most up-to-date and reliable pricing information
• Sketch complicated roofs, rooms, layouts, and structures
• Automate and streamline your estimating processes
• Organize and manage your projects
• Overcome language barriers in preparing estimates

See a complete list of features at Xactimate.com

We’ve trained tens of thousands of adjusters over the last decade, and it’s become clear that proficiency in Xactimate is the single most important technical skill a new adjuster must acquire. In fact, “are you familiar with Xactimate?” is one of the most frequently asked questions in interviews and on applications. Knowing your way around the software not only sets you ahead of the curve in the employment line, it means you can get to work adjusting claims immediately once you’re deployed. You’ll be able to work through inspections and adjustments faster and with more accuracy, which is truly money in your pocket.

The Xactimate User Certification program, offered solely by Verisk, provides a controlled exam to independently verify your product knowledge and proficiency. There are three levels of certification: Level 1 – Fundamentals, Level 2 – Proficiency, and Level 3 – Mastery. Each level increases in difficulty and is considered a prerequisite for the next level. Details on how to become certified are available on the Xactimate Training Website.

While official Xactimate Certification is only available through Verisk, the AdjusterPro Course will help prepare you for the Level 1 exam should you choose to pursue certification. It’s also worth noting that most employers want to know whether you have a working knowledge of how to write a claim in Xactimate, so make sure and include the AdjusterPro Tactical Xactimate Training on your resumes and job applications.

The software is available free for a 30-day trial period, and we encourage students to take our course during that time. Please note: your free trial starts as soon as you download the program – not when you start using it. In our experience, Verisk will usually extend your trial period if you call them and request more time. After that, you can purchase the software only through Verisk on a subscription basis. Prices start at $685 for three months but vary depending on the length of the subscription, the version you need, and the device (desk, mobile, online) you use. We encourage students to start conservatively when considering an XM8 subscription as some employers will provide laptops with the software already loaded.

Our webinar uses a program called GoToTraining which allows you to hear the instructor and view their screen as they perform tasks in Xactimate. As a student, you will follow along and perform the same tasks in your free 30-day trial of Xactimate. You can ask questions live through the GoTo chat feature. After you master each task, the instructor proceeds to the next. Using this method, we lead you step-by-step through the entire process of writing an estimate. Our fantastic trainer will make sure and address all questions by the end of the session. 

A standard computer, either desktop or laptop, will work fine for the course. Once you have purchased and registered for our course, we recommend you install Xactimate on your device and open it to ensure everything is in working order prior to your webinar. While having two screens is not a requirement, it does allow you to keep one screen showing the webinar and instructor’s actions on GoToTraining, while allowing you to continue to work within the XM8 program on the other screen. Please note, most of our students use a single screen and do not report any problems.

Once you register for your scheduled webinar, we’ll send you detailed instructions on preparing for your course. Most importantly, you’ll need to install the free trial of the software on your computer and test it to make sure it works prior to your course. This will allow you time to contact the Verisk Support Center should you have any problems with the installation. Remember, the free trial starts when you download the course, not when you open or begin using it, so keep your scheduled dates in mind and plan accordingly. To avoid a service fee, when calling Verisk Support be sure to specify that you’re using the free trail version of the software. 

Absolutely! We are so lucky to have Nadine Bisson and Matt Daniels teaching our Tactical Xactimate Training Webinar. Nadine has been an independent adjuster since 2008 and is an expert in the claims field. She’s handled hundreds, maybe thousands of claims using Xactimate and knows the program inside and out.

Matt has been adjusting claims since 2014, and has worked with Xactimate as both an adjuster and a licensed contractor.

Most importantly, Nadine and Matt are excellent trainers. Throughout your course, they will answer all of your questions and take time to make sure that you’re comfortable with the material.

Yes. When you go through our training, you will receive our Xactimate Exercise Manual with hours of practice roofs, elevations, and rooms of increasing complexity. Our instructors will be available to assist if you have questions about these ongoing practice exercises.

AdjusterPro’s Xactimate Course is recognized by employers as valuable training so make sure to list it on your resume and applications. With a license in one hand and Xactimate in the other, you are ready to go to work!

Our course is also approved for continuing education (CE) hours in key states. If you were licensed before you took our Xactimate course, contact the support team to have them submit CE credit hours on your behalf. For more information on which states qualify and the submission process, please visit our AdjusterPro Xactimate page.

If you would like pursue your Xactimate Certification through Xactware, details are available on the Xactimate Training Website.

It can take anywhere from 2-6 hours to download and install Xactimate, and you can only use the demo software for 30 days. It is important to note that your free trial starts as soon as you download the software so please plan accordingly with an eye on your scheduled training dates.

Once you complete the “Xactimate Training Prerequisites” module, you will be directed to the “Xactimate Webinar” module to choose your webinar dates. Come back to this module to access the webinar during your scheduled time.

You will order and download the demo directly from Xactware’s website. You’ll need a computer that runs Windows and meets the Xactimate system requirements. You can find a complete list of requirements and instructions for download on the Xactimate System Requirements page.  Instructions are also available in the ‘Xactimate Training Prerequisites’ section of your course.

The exercise book is available for download and printing a hard copy is optional. You’ll receive instructions on how to access the exercise book within your online classroom. It can also be found under ‘Xactimate Training Prerequisites’. 

**Please make sure you have this book handy and ready for use prior to the start of your class.

Yes. If you need to reschedule your session, simply log back into your “Schedule: Tactical Xactimate Training” module and select ‘Reregister.’ From there, you will be able to choose your new session dates.

The amount of hours your CE course is worth is determined by the states themselves. Every course must be first submitted to the state for approval. Upon review, they will decide, based of a few different things, how many hours of credit that course is worth. The most common factors are word count, time spent on a page or slide, and difficulty of the material.

The credit hours can differ per state requirements, even if the courses are very similar.

In other cases, the state determines the content required in a course and the hours a course is approved for. Then we will create it in our platform. This is usually true for state-specific CE courses like California Earthquake Standards or the Florida 4-Hour Law Annual Law Update.

Need to know how many hours of CE you’ve accumulated or have left? Or perhaps you want to check on the last time you took “Course XYZ” to ensure you can take it again during this compliance cycle. Checking your transcripts is relatively easy these days. (Thankfully!) Your hours are submitted to your state’s preferred database where you can check them anytime. Just remember you’ll need to create an account and load your license details first.

Here’s a list of where you can view your CE transcript. Just click on the linked title to navigate to the correct site for your state.

SIRCON

California, Colorado, Georgia, Indiana, Minnesota, Mississippi, Nevada, North Carolina, Texas, Utah, Wyoming

State Based Systems (SBS)

Alabama, Alaska, Arkansas, Delaware, Idaho, Montana, New Hampshire, New Mexico, Oklahoma, Oregon, West Virginia

Florida: My Profile

Louisiana: LDI

Washington: OIC Services

Due to state requirements, each module in a pre-licensing course includes a timer. This ensures that the state requirement for time spent in a pre-licensing course is fulfilled.

Once you have started a module, we recommend that you do not refresh your browser or log out of the course until the module is complete. Exiting a module early or refreshing in the middle of a module will cause the timer to reset.

The timers are set to release sooner than it takes the average person to read the material in each section. If you’re an exceptionally fast reader, there may be times when you outpace the timer and need to wait a few minutes to proceed to the next module. For most people, the course timer will not be noticeable unless restarting the module at the very end. For that reason, we recommend completing each module in one sitting.

Some states will allow you to take your pre-licensing or licensing exam online (AL, AR, IN, TX, MS) as long as you have some sort of monitor or proctor overseeing your exam.

In the past, this proctor needed to be a ‘disinterested third party’, someone who wasn’t a family member or a co-worker, and the person needed to be present during your exam. This became difficult during Covid so new solutions, like online proctoring, were created.

Online proctoring is essentially the same thing except the proctor is watching you take your exam online through your computer video camera instead of in person. We’ve partnered with Proctor Free to offer this service to our students at no additional cost. You do not have to use online proctoring for the state exams where it is offered – except in Alabama where it is the only option. Students in the other pre-licensing states can choose to test with a standard in-person proctor or use our online proctoring system.

Once you finish your course and get to the exam, our online classroom will give you a few basic guidelines for taking the exam and walk you through simple steps to set up the online proctoring system.

This allows you to proceed with the exam on your own time without needing to schedule an in-person proctor to oversee your test…and it’s all at no extra charge to you.

We believe our curriculum, trainers, and products are the best in the industry. These courses are used by the country’s largest insurance companies and have helped thousands of people in their adjusting careers. With the proper time and dedication to studying, we are confident they will help you too.

If you’re not satisfied with your purchase, you may request a refund through our customer service department. Refund requests must be made within 15 days of your purchase. Refunds will only be issued to the original method of payment.

If you took the Alabama state exam as part of your course, we will refund your purchase price less $75 because the state doesn’t allow us to refund the mandatory $75 exam fee.

You are not eligible for a refund if you have completed a course and/or received your completion certificate or passed your included exams.

If you’re concerned you purchased the wrong course or need help deciding which course to choose, give us a call. We will make sure you’re enrolled in the right course for your state and career path.

Our Adjuster Essentials offers the single course you need for your state. For some states, it’s the required pre-licensing course and for others, it is an exam prep course. Either way, the essentials will prepare you to ace your state’s adjuster licensing exam.

The Total Adjuster Package includes your state’s exam prep or pre-licensing course as well as additional training to help prepare you for the job itself. Having this knowledge before you start will mean you can get hired and start closing claims (and making money!) faster.

• Construction 101 covers how to determine and estimate the type, grade, and quantity of building materials, as well as the basics of the construction process and rooftop assessments and inspections. It was created by a veteran adjuster and is a great precursor to XM8 training.
• The Xactimate Live Webinar will teach you how to work a claim from start to finish so you can hit the ground running when you get assigned those first claims.
• Our Adjuster Success Method course is a new, one-of-a-kind career training webinar. It was created by veteran adjusters who wanted to share what they wished they’d known when they started – everything from how to find work, what tools you’ll need, how to adjust and inspect your first claim, and most importantly, how to set yourself up for a lasting and successful career.

Our team is passionate about providing the best insurance training courses and online classroom experience in the industry. We are committed to helping you succeed at every step of your adjusting career.

At AdjusterPro, we believe in serving our customers with transparency, honesty, and adhering to the Golden Rule, treating others as we would want to be treated.

Building our company upon these principles, here are a few other ways we differentiate from the competition:

• We offer over 170 courses – the most comprehensive catalog in the country
• Our simple, engaging online training was created to help you comprehend and retain information
• Keeping your license compliant is simple with our convenient continuing education courses
• You’ll receive honest answers from our dedicated (real-people) customer engagement team
• 50 states strong: we offer a path to licensing for every state
• Over 50,000 people have trained with us
• 8 of the country’s top 10 insurance carriers train with AdjusterPro
• 98.4% customer satisfaction rating
• AdjusterPro is more than just online courses. We’re the nation’s go-to resource for all things adjuster. Whether it’s licensing, reciprocity, CE, networking, tips of the trade, or career advice, we’ve got you covered.

Whether you are just starting to explore the insurance claims industry, a Fortune 500 company, or are a veteran adjuster looking for additional training, we are here to help you reach your goals and achieve success.

Please allow 3 business days for CE credits to appear on your transcript. Credits will be submitted using the date on your Certificate of Completion.

Quiz Builder is a study tool included in our courses. It lets you build custom quizzes using questions from any of the cumulative lesson quizzes throughout your course.

Quiz Builder will automatically build a quiz made of all the questions you got wrong in the quizzes you select, but you can choose to include questions that you had previously answered correctly as well. The answers and feedback will be displayed each time you answer a question, or you have the option to hide the answers until the end of the quiz.

In general, there is no time limit to complete your pre-licensing or exam prep course. These licensing courses will remain available to you in your online classroom until they are complete.

There are some continuing education courses that do have state-required expiration or certification dates. We will list expiration dates on the products to which they apply and notify you in your course when this is the case.

You must receive a 70% on each quiz to pass and move ahead to the next module. You can review each lesson and take each quiz as many times as you like — it will not affect your overall grade or hinder your completion of the course in any way. Your individual quiz scores will be listed next to each module once completed.

Our practice exams are set up to simulate the actual state exam. You can take the practice exams as many times as you would like.
After completing a practice exam, you will have the option to Retake the Test, Review All Question Results, or Review All Unanswered Questions. If you want to review your results, you must do so before continuing to the next page in the course, since once you continue the practice exam will be reset.

We recommend achieving a 90% on your practice exam before moving on to take your state exam.

Every AdjusterPro course includes state-specific instructions for scheduling and taking your state exam. You can also find step-by-step instructions for getting your license (including how to register for the state exam) on your state’s page. Visit our Courses page, type in your state, and scroll down to ‘How to Get Licensed’ to see specific instructions for your state.

Students who complete our exam preparation courses will need to register to take the state exam through their state’s testing provider: either PSI, PearsonVue, or Prometric.

Pre-licensing students will receive instructions on how to take the state exam, which is included in your AdjusterPro course*, within the course itself.

*For Georgia, Mississippi, and Indiana students — while our courses satisfy the state’s pre-licensing requirement, students must register for and take the state exam through a test provider.

We use each state’s exam content outline, including the percentage of questions in each subject, to create every AdjusterPro course. If you would like to see a detailed breakdown of topics in the state exam, visit the testing provider’s website and follow the prompts to your state’s insurance exam content outlines and look for the adjuster exam.

We read it, of course! When you submit feedback, leave a review, or send us an email, it goes to our customer support team who diligently looks at every one. We are always trying to improve your experience with AdjusterPro, both in and out of our online classroom. We appreciate honest feedback from our students on what’s working, or what we could do better on. To help our team be as efficient as possible, we ask all students to add the title of the slide they are on when submitting their feedback within a course. This helps us be able to identify exactly where you were within a module when you gave us feedback.

Once your course is 100% complete, your Certificate of Completion will be available in your online classroom.

A Monitor is a person who must sit with you during your exam to confirm that you complete it without notes or an open book. Most AdjusterPro pre-licensing courses require a Monitor to be present when you take your exam in order to comply with state regulations. The Monitor must be at least 18 years old and cannot be an immediate family member or a subordinate at your workplace.

An “Affidavit of Witness” is a document completed by you and your monitor verifying that you took the exam without help from outside individuals or materials. This document must be signed by both the student and the monitor in the presence of a notary (who then notarizes the form), and then uploaded to your online classroom for AdjusterPro to review. Not every state requires an affidavit of witness but your AdjusterPro course will provide instructions if it is required for your state.

Our courses were built to work on all iPads and tablets. Layouts, scrolling, and displays will vary depending on the device you have, and performance will vary depending on the browser the device uses. Our courses are fully HTML5 compatible so you can experience the course on your smartphone as well.

This makes working on your course possible wherever you go!

However, for the best experience, we still recommend a desktop or laptop. This is especially important when taking your exam as you’ll want to make sure you have reliable wifi and are in a location where you can concentrate.

Information on Xactimate Webinar

Please be aware that Xactimate software, including the version used in our live Tactical Xactimate Training webinar, has its own set of system requirements. This is a robust software program that requires more computer power than our standard courses or than is available on some types of tablets. You can view a complete list of accepted device types and operating systems on the Xactimate Systems Requirements page.

Being able to study anywhere, at any time, is one of the best parts of taking a class online. But e-learning does come with its own set of challenges. When, where, how long, and how much you study all play an important role in getting the most out of your online courses. We created a two-part blog series detailing some of our best advice and practices on how to be a successful online student.

Succeeding as an Online Student Part I

Succeeding as an Online Student Part II

Visit our sister site All-Lines Training 440 License. Our Certified Insurance Representative Designation is the quickest and easiest way to become a licensed customer rep in Florida.

Military veterans who passed any Texas insurance exam since early 2019 can now get reimbursed for the fee. Veterans may seek reimbursement of exam fees going back to February 1, 2019. To do so, apply to the U.S. Department of Veteran Affairs.

In addition, the Texas Department of Insurance also makes it easier for active-duty military members and spouses to work as insurance agents or adjusters in Texas. TDI will also waive the application fees for military spouses who have an insurance license in another state. When they apply for their Texas license, they simply need to provide proof of Texas residency, their military identification, and their insurance credentials from their home state.

While Texas fees are covered as part of an agreement between the VA and TDI, some exam or licensing fees for other state adjuster licenses may also qualify for reimbursement. Please visit VA How to Use Benefits page to learn more or contact them to see if your licensing exam or fees may qualify.

• Ask a question online
• Phone: 888-442-4551

View Texas Insurance Adjuster Courses

The basic difference lies in which types of insurance you have the authority to handle claims for, although reciprocity is a big factor as well. The all-lines adjuster license includes property and casualty (P&C) for residential, commercial, automobile, farm & ranch, inland marine & ocean marine, as well as workers’ comp insurance. The P&C license covers all of the above, with the exception of workers’ comp. So to put it plainly, all-lines includes workers’ comp and P&C does not.

So which license do you need? We recommend the All-Lines adjuster license because it certifies you to handle more lines of insurance and represents the most comprehensive license available. And while you may only handle residential or auto, you won’t be restricted to doing so because of your license.

Getting an All-Lines license will also allow you to obtain the most reciprocal licenses available. States will only approve a reciprocal license for the same lines of authority you are already approved for via your home state (or DHS) license.

So, for example, if you have a Workers’ Comp license in your home state, you’ll only qualify to get Workers’ Comp reciprocal licenses as well. You won’t qualify for a P&C and/or All-Lines reciprocal license.

It’s also important to remember that not all states offer the same types of licenses. Florida doesn’t offer a P&C license for example. Many don’t offer a single LOA like workers’ comp or crop. And if the state you’re applying in doesn’t offer that lower license type, you are denied a reciprocal license completely.

You can avoid the confusion and potential denials by obtaining the All-Lines license which covers the most lines of authority and therefore, offers the most reciprocity.

For those who want a more detailed look, let’s review each type of insurance:

Residential – property used primarily for dwelling
Commercial – property used for business, recreation, worship, etc (not for dwelling)
Auto – cars, motorcycles, and covered vehicles used for non-commercial transport
Farm & Ranch – dwelling, outbuildings, barns, animals, equipment, crops in storage (crops in the field typically require separate crop insurance)
Inland Marine – commercial trucks in transit and their cargo; docks, piers, bridges
Ocean Marine – sea vessels and their cargo (the first type of insurance as we know it today)
Workers’ Comp – employees injured while on the job

This is one of the most common misconceptions about reciprocity. Too often, adjusters believe or hear from someone else that some states enjoy more reciprocity than others (e.g. Texas is reciprocal with 32 states!). That may have been true once upon a time, but in today’s industry, reciprocity is predicated not on what state license you have but on whether it’s your home state license. So if you want to enjoy reciprocal licensing privileges, you need to hold your home state license first. It’s that simple.

Just because your home state is reciprocal with another does not mean you can just hop across state lines and begin working claims. You need to apply for the reciprocal license and pay the state’s fees. Obtaining reciprocal licenses will cost you anywhere from $55 – $175 per state for the application fees, plus the time it takes to complete all the necessary paperwork; usually about a day or two. Most states’ applications can be completed and submitted online from either NIPR or Sircon.

The bottom line: the more licenses you have, the better. Whether it’s an insurance carrier or an independent adjusting firm, employers need adjusters who can work whenever and wherever claims happen. And you can only do that if you have the proper license for that state.

For example, employers may need to send hundreds of adjusters to Florida after a hurricane. The company checks their roster and adjusters who hold a Florida license are first in line for deployment. But the large number of adjusters sent to Florida leaves holes for the daily claims that will still need to be handled in states like Georgia and Mississippi. So now they need to find adjusters who are licensed in those states to come in and work. You get the idea….

Bottom Line: being licensed in multiple states will make you more attractive to employers, increase your revenue, and allow you to help wherever you are needed.

Most states require adjusters to pay a fee and submit some information to renew their license every two years. This can usually be done electronically through NIPR or Sircon, but some states use an internal system of their own.

Additionally, most states also require adjusters to complete continuing education (CE) hours each renewal period. You can find the renewal information for your state by visiting our ‘Get Started’ page, choosing your state, then scrolling down to ‘CE & License Renewal.’ Details include how many hours are required in your state to renew your license and whether those credits need to contain a certain number of hours in a particular subject, like Ethics or Legislative Updates. 

The answer to this question depends on which state you are taking CE for, as the rule varies by state:

• The following states won’t give credit for any course taken twice in 24 months, regardless of compliance cycle:
  –AR, FL, LA, MN, NC, OK, VA, WV
• For NM, you cannot take the same course within a three-year period, regardless of compliance cycle.
• The following states allow credit only once per compliance cycle:
  –AL, AK, CA, DE, GA, ID, IN, MS, MT, NH, NV, OR, TX, UT, WA, WY

AdjusterPro will submit your continuing education (CE) to the appropriate state for you.  Make sure you have entered your license number in the account profile in your online classroom. To do this, click on the arrow at the top right-hand corner of your screen (to the right of the circle that has your initials in it).  Click on Profile and scroll down to Extended Profile. Enter your license number in question 4, and complete 5 and 6 if they apply to you.

If you have any questions about this, contact us at support@adjusterpro.com or by phone at 214.329.9030 x2.

Yes! While there are 16 states that still do not license claims adjusters, the majority of states do. Employers, either insurance carriers or Independent Adjusting Firms, need adjusters who can work a multitude of claims in a variety of areas. You will give yourself the best chance for employment by obtaining your home state, or ‘designated home state’ license, and then getting reciprocal licenses so you can work in other states as well.

While the industry is trying to create more uniform licensing standards, there is no ‘national claims adjuster’ license. The first step in becoming a claims adjuster is to get licensed in your home state. To see details and instructions for your specific state, choose ‘Products’ then ‘Adjuster Licensing’ from the navigation menu above, then scroll down to view the compliance and application information for your state. 

If you live in a non-licensing state, you should obtain a “Designated Home State” or DHS license. A DHS license basically works just like having your home state license and is vital if you want to work any claims outside of your non-licensing state. If you live in Kansas for example, you can adjust claims there without a license, but you can’t go work claims in Florida or Texas. While a host of different states offer a DHS license, we recommend obtaining the Florida 70-20 Nonresident DHS license. It offers great reciprocity and Florida has the quickest application turnaround time in the country.

States that do not currently license adjusters: Colorado, District of Columbia, Illinois, Iowa, Kansas, Maryland, Massachusetts, Missouri, Nebraska, New Jersey, North Dakota, Ohio, Pennsylvania, South Dakota, Tennessee, Virginia, and Wisconsin.

Reciprocity, or reciprocal licensing privileges, allows a licensed adjuster to obtain another state(s) license without having to pass that specific state’s exam. Thank goodness, right? Once you have your home state or DHS license, you can apply for other state licenses through reciprocity.

It’s not automatic – you will need to complete the required paperwork and submit the licensing fees but most licensing states are now reciprocal with each other, as long as the license your home state or DHS license holds more lines of authority than what you are requesting. For example, if you hold a P&C Adjuster License, you are only qualified for a P&C reciprocal license in another state. You can not obtain a reciprocal All-Lines license if your home state or DHS license is for P&C because it covers fewer lines of authority.

There are some additional caveats – New York, California and Hawaii do not reciprocate with any other state for example. You can read more about the importance of reciprocity in our Reciprocity: The Truth About Licensing Agreements article.

It’s also important to note that reciprocity doesn’t always go both ways. For example, New York doesn’t offer reciprocal licenses to licensed adjusters from any other state. However, there are plenty of states that will offer licensed New York adjusters a reciprocal license.

To learn what states will offer you a reciprocal license, visit the AdjusterPro Reciprocity Map and click on your state.

The bottom line: the more licenses you have, the better. States with frequent catastrophes or weather events like hail and wind are the best places to start. We recommend making sure you have both a Texas and a Florida license, as well as the other Gulf states. Oklahoma, Georgia, and the Carolinas also present a lot of opportunities, as do areas with extreme winter storms like Minnesota.

If you like a challenge, California and New York are also great licenses to have. The testing and requirements are tougher than most states, but since they do not offer any reciprocity, it doesn’t take much to create an adjuster shortage in those areas after an event.

When a huge amount of adjusters are needed after a big catastrophe, states can declare a state of emergency that will allow them to issue emergency licenses. An emergency adjuster license is temporary, good for 3 to 6 months, and can be extended as needed. These licenses are incredibly important after a disaster as they allow the state to quickly license out-of-state adjusters who otherwise wouldn’t qualify. 

But they do present a challenge – you must be sponsored by an employer to be approved. And while that doesn’t usually affect veteran adjusters, it can be an obstacle for brand new adjusters who are looking to break into the industry, especially if you don’t already have a working relationship with an insurer, IA firm, or restoration company. It isn’t unheard of for newly licensed rookies to get an emergency license, but given a choice, employers are almost always going to choose a licensed adjuster over a non-licensed one. 

While most licensing states simply require you to take and pass the exam to get licensed, other states have an additional “pre-licensing requirement.” These states require you to take a certain amount of education hours before you are allowed to register to take the state exam. AdjusterPro courses contain approved pre-licensing for all the states where it is required: Arkansas, Florida, Georgia, Mississippi, Indiana, and Texas.

We recommend all new adjusters take our Xactimate live webinar. Being proficient in Xactimate’s estimating software is a vital skill for those just entering the industry. Once you obtain your license, it is also important to get specific carrier certifications like State Farm and Allstate. You won’t be able to work claims for those carriers unless you have their certifications. Most IA Firms offer free classes throughout the year to adjusters on their rosters. Rope access training is important for adjusters wanting to work steep, high, or complex height-related claims. FEMA offers courses for adjusters wanting to become NFIP certified. Ultimately, any additional certification you can obtain regarding fire and flood or water damage will serve you well.

Individual state rules vary regarding issuing an insurance adjuster license to someone who has been convicted of a felony or misdemeanor. 

Most states do have some sort of regulation stating that licensure “may be denied” if the person has ever been convicted of a felony or misdemeanor. Whether or not the applicant is approved or denied is often based on the type of offense and how long ago it happened, the severity, and whether it was financially motivated or involved fraud/dishonesty — both of which are major red flags in the insurance industry. Misdemeanors are not usually an impediment to getting a license, but again, this isn’t always the case. 

We recommend checking your state’s Department of Insurance’s website for its particular rules. The details of the crime and when it happened are critical to whether you can be considered for adjuster licensing. Some states, like Oklahoma, require you to complete a waiver and receive approval back from the state before you can apply. If you don’t complete that step, you can be denied a license, regardless of your crime. Other states will want to review copies of court documents to see the specifics of your case.

If you can’t find the information you need on the website, call the licensing department and discuss the situation with them. They should be able to give you information and directions on how to proceed according to their laws. 

You can find your Department of Insurance’s contact information in the FAQ section at the bottom of our state adjuster licensing pages. 

It is worth noting that while each state has its own rules about issuing licenses to persons with a criminal history, employers (i.e.: insurance carriers and independent adjusting firms) may have completely different hiring policies. So while you may meet the guidelines to get an adjuster license, you will still need to meet a company’s standards for employment to get hired.

We always recommend applicants be 100% honest about their criminal history on both license and job applications. If you do not report your background and the state or employer finds out later you were convicted of a felony, you will likely lose your license, potentially lose your job, and it could have lasting effects on your future opportunities as well.

There are two components to handling an auto claim; appraising the damage to the vehicle and settling the claim itself. Appraisers play a key role in this process, since motor vehicle claims require specialized knowledge of auto repair that most adjusters simply don’t have. That’s where auto damage appraisers come in: these insurance professionals inspect vehicle damage, calculate the worth of the vehicle, and write an estimate for repair. Then the adjuster settles the claim based on the appraisal. Many states require adjusters to hold both licenses if they want to work on both parts of the claim — the appraisal and the settlement. Two states, Connecticut and South Carolina, require adjusters to hold both licenses to work on any part of an auto claim.

Generally speaking, it takes around 2 weeks to receive your license after you submit your application, however the time frame varies by state. Some states, like Indiana and Florida are usually quicker — sometimes taking just days to issue a license. Other states, like Texas, can take up to 6 weeks.

Whether or not you can submit your adjuster application before completing your pre-licensing course varies from state to state. Some states require you to apply before taking the exam while others specify that you must send your course completion certification in with your application. You can find your state’s specific compliance and application information by going to the Adjuster Licensing page and choosing your state. 

Once PSI Testing centers reopen, provisional license holders will need to pass the state exam to convert to an Idaho adjuster license. This course will fully prepare you to pass the state exam as well. It will remain available in your virtual classroom should you like to revisit topics or study before your PSI exam.

Minnesota adjusters must complete 24 hours of insurance continuing education before their license renewal deadline, and at least 12 of those hours must not be sponsored by, offered by, or affiliated with an insurance company or its agents.

The 24 hours must include 3 hours of ethics-related continuing education. You may not repeat a continuing education course for credit during the same licensing period.

Before registering for any CE course, you should ensure that the course provider is active and in good standing with the Minnesota Commerce Department and that the MCD has approved the course for continuing education credit.

You can see approved continuing education and renew your license at Sircon.

There is NO continuing education (CE) requirement for Massachusetts appraisers. Licenses expire annually on June 30th, regardless of issue date.

Renewal applications are sent out in early March. If an appraiser wants to renew his license he must fill out the application and mail it to the board by June 1, along with the $50 renewal fee. The board will verify the information on the application and if it is complete, they will issue a certificate of annual registration, making the appraiser’s license current and up to date.

• AdjusterPro Course Fee: $149
• Application Fee: $100 (includes part 1 and part 2 of the exam)
• Renewal Fee: $50

To obtain your Massachusetts Motor Vehicle Damage Appraiser 16-60 license, complete the following steps:

1. Meet the basic Massachusetts MVDA Licensing Requirements
– Be at least 18 years old
– Be a person of good moral character
– Have a high school diploma or possess satisfactory relevant work experience, as determined by the Appraiser Licensing Board
– Have at least three months of experience completing appraisals under the close supervision of a licensed appraiser

2. Take a Massachusetts Licensing Board approved Damage Appraiser Training Course

3. Submit the following paperwork, along with your application to the Massachusetts Appraiser Licensing Board. The Board will notify you when your application has been approved.
– A work experience letter from a licensed Massachusetts appraiser with whom you have worked for a period of at least three months. This letter must be signed by the appraiser and his seal affixed.
– A copy of certification received from a board approved MVDA Course Exception: Two years of practical work experience writing appraisals may be substituted for the required course work.
– If you have had any convictions, a transcript from the courts identifying the offense(s) and a letter of explanation should be included.
– MA MVDA Appraiser Application, along with a check for $100.00 made payable to the Commonwealth of Massachusetts for application processing and examination.
Send the paperwork and application to:
The Auto Damage Appraiser Licensing Board
1000 Washington St, Suite 810
Boston, MA 02118-6200.

4. While not required, we recommend completing AdjusterPro’s Massachusetts Motor Vehicle Damage Appraiser Exam Prep course to ensure passing the written portion of the state exam

5. After your application has been approved, register for and pass the Massachusetts MVDA State Exam. The exam name is Massachusetts Motor Vehicle Damage Appraiser Series 16-60.
Register online with Prometric

6. After successfully completing your written examination, you will be notified by the Board how to complete Part 2 – Vehicle Appraisal Examination

There is NO continuing education (CE) requirement for Maine adjusters. Resident adjuster renewal dates are 10/01/even years. Non-resident adjuster renewal dates are 01/01/even years.

You can renew your license online through NIPR. You may also renew your license manually by following the directions on the renewal notice you will receive from the state.

• AdjusterPro Exam Prep Course: $179
• Exam Fee: $75
• Fingerprinting Fee: $63 (plus $8.95 service fee)
• License Application & Renewal Fees: See Hawaii Fee Schedule

South Carolina grants reciprocal licensing privileges to any non-resident applicant who holds an appraiser license in his home state. If the applicant’s license status cannot be verified, he must provide a legible certification from his home state’s Department of Insurance. This certification must be less than 90 days old and prove the applicant is a licensed appraiser who has passed the state exam.

If the applicant’s home state does not require an appraiser exam, then he may submit a certification from another state’s Department of Insurance where he is licensed and has passed an appraiser exam.

To obtain your South Carolina Auto Appraiser License, complete the following steps:

1. Meet the basic South Carolina Auto Appraiser Licensing Requirements

• • Be at least 18 years old

2. While South Carolina does not require a pre-licensing course, we recommend completing AdjusterPro’s SC Auto Appraiser Exam Prep Course to ensure passing the state exam

3. Register for and pass the South Carolina State Exam

• • Register online with PearsonVue

4. Provide an original SLED Report from the South Carolina Law Enforcement Division

5. Submit an application using NIPR.

6. Check to see if your license has been issued at SC License Verification. Your National Producer Number (NPN) will be used as the South Carolina license number. You can search for your National Producer Number at: https://nipr.com/PacNpnSearch.htm

Additional licensing details are available on the South Carolina Department of Insurance Appraiser page.

South Carolina requires you to hold both an adjuster license and an auto appraiser license to handle auto claims. Click on the insurance adjuster tab above for more information on the adjuster license.

• Florida Customer Service Representative Course: $299
• Initial Licensing and Application Fee: $50
• License ID Fee: $5
• Fingerprint Fee: $48.55
• No renewal fee

To obtain your Florida Customer Service Representative (4-40) license, complete the following steps:

1. Meet the basic Florida Customer Service Representative (4-40) Licensing Requirements

• • Be a natural person at least 18 years of age
  • Be a resident of the State of Florida
  • Be a United States citizen or legal alien who possesses a work authorization from the United States Immigration and Naturalization Services

2. Complete the required Florida Customer Service Representative Course with state exam through AdjusterPro

3. Process and submit Fingerprints according to instructions at Florida Department of Financial Services (FLDFS) Fingerprinting Requirements

4. Submit application through MyProfile
Applicants concerned with criminal background questions on the application can view a list of Disqualifying Crimes provided by the state

5. If required, submit Proof of Citizenship Documentation

6. Check to see if your license has been issued by logging into MyProfile

See complete licensing details, including nonresident information at FLDFS Licensing Information.

Resident Public Adjusters are required to complete 24 hours of continuing education (CE) every two years by the end of their birth month.

As of July 2023, public adjusters in Florida can take any approved continuing education courses and receive elective credit to renew their license. In the past, courses for independent adjusters did not meet the state’s public adjuster CE requirements, but that has changed.

There is ONE EXCEPTION: public adjusters do need to complete a specific Florida Law and Ethics Update course with course authority CE 5-320.

For approved CE courses, visit our Florida adjuster continuing education page. You will see a specific Law & Ethics course with Public Adjuster in the title, which is the course public adjusters should be taking to receive CE credit. Any of the other general CE courses are also approved for credit for public adjusters. 

There is no license renewal required for Florida adjusters, provided the licensee is properly appointed when applicable. Failure to complete continuing education requirements may result in cancellation of the appointment, which could lead to termination of the license. The license will also expire if more than 48 months lapse without an appointment. Login to MyProfile to update your appointment.

Florida grants reciprocal licenses to adjusters who are licensed in a state that has a reciprocal agreement with Florida. CA, HI, and NY do not have reciprocal agreements with Florida.

Detailed reciprocity information is available at FLDFS Public Adjuster Reciprocity.

• Florida Certified Adjuster Designation Course: $299
• Initial Licensing and Application Fee: $57.45
  • • $57.45 includes $50 application fee, $5 license ID fee, and $2.45 Credit card company convenience fee
• License ID Fee: $5
• Fingerprint Fee: $48.55
• Public Adjuster State Exam: $42

Getting your Florida Public Adjuster license takes a few more steps, and a bit more time, to obtain. But your first step is getting the Flroida 6-20 Certified Adjuster license. 

1. Meet the basic Florida Adjuster Licensing Requirements
   1. Be a natural person at least 18 years of age
   2. Be a resident of the State of Florida
   3. Be a United States citizen or legal alien who possesses a work authorization from the United States Immigration and Naturalization Services
2. Complete the required Florida Certified Designation Course with state exam through AdjusterPro
3. Process and submit Fingerprints according to instructions at Florida Department of Financial Services (FLDFS) Fingerprinting Requirements
4. Submit Proof of Citizenship Documentation
5. Submit an application through MyProfile. Applicants concerned with criminal background questions on the application can view a list of Disqualifying Crimes provided by the state
6. Check to see if your 6-20 license has been issued by logging into MyProfile. (It’s important to note that once you receive and appoint this license, you can work as an independent or staff adjuster. To get your public adjuster license, continue with the following steps.)
7. After you receive your 6-20 license, you must be appointed by a public adjuster or public adjusting firm and apprentice under them for 6 months, or be appointed as an independent or staff adjuster for 6 months.
8. During this apprenticeship period, you must have a $50,000 surety bond.
9. After completing your public adjuster apprenticeship, you must take and pass the 3-20 Public Adjuster exam with PearsonVue.
10. You will need a $50,000 surety bond to cover the license period.
11. Only after you satisfy the apprenticeship requirements and successfully pass your 3-20 exam can you apply for the 3-20 Florida Public Adjuster License.

Resident adjusters are required to complete 24 hours of continuing education (CE) every two years. The 24 hours must include the state-mandated 4-hour Law and Ethics Update.

Florida Adjusters will not receive credit for any CE course taken twice in any 24-month period, regardless of their license compliance cycle. Be sure to track and plan your CE courses accordingly. Excess CE credits can be carried over into the next compliance cycle.

No license renewal is required for Florida adjusters, provided the licensee is properly appointed when applicable. Failure to complete continuing education requirements may result in the cancellation of an appointment, which could lead to termination of the license. The license will also expire if more than 48 months lapse without an appointment. Login to MyProfile to update your appointment.

AdjusterPro offers over 40 hours of continuing education for Florida adjusters. Courses can be purchased as a bundle that will fulfill state requirements or individually.

Website: https://www.myfloridacfo.com/Division/Agents/Licensure/

Mailing Address:
Florida Department of Financial Services
Bureau of Licensing, Room 419
200 East Gaines Street
Tallahassee, FL 32399-0319

Phone: 850-413-3137
Email: agentlicensing@myfloridacfo.com

Florida grants reciprocal licenses to adjusters who are licensed in a state that has a reciprocal agreement with Florida. AZ, CA, HI, NM, and NY do not have reciprocal agreements with Florida. You can see all the details regarding reciprocity for Florida adjusters on our Florida Reciprocity Map.

More information is also available at FLDFS Adjuster Reciprocity.

• Florida Certified Adjuster Designation Course: $299
• Initial Licensing and Application Fee: $57.45
  • $57.45 includes $50 application fee, $5 license ID fee, and $2.45 Credit card company convenience fee
• Fingerprint Fee: $50.75
• No renewal fee
• Independent Adjuster Appointment Fee: $60
  • + Credit card company convenience fee: 3.3% of the transaction

Adjusters who hold a resident home state adjusters license can get a reciprocal license for Puerto Rico by applying for it on the NIPR Website.

It’s important to note that Puerto Rico does not accept designated home state (DHS) licenses.

Nevada adjusters are required to complete 24 hours of continuing education (CE) every licensing term (three years.) The 24 hours must include at least 3 hours of Ethics. You may not take the same course within the same compliance period and receive CE credit. Excess CE credits cannot be applied to the next compliance cycle.

The license is renewable at the end of the month on the third anniversary of the issuance of the license. Renew your license through Sircon Nevada.

AdjusterPro offers over 40 hours of continuing education for Nevada adjusters, including a state-approved Ethics Course. Courses can be purchased as a bundle that will fulfill state requirements or individually.

You must renew your Florida 4-40 License every two years. While there is no renewal fee, license-holders do need to complete 10 hours of continuing education every renewal period and submit proof to the state in order to stay compliant.

The 10-hours of CE must consist of the 5-hour Florida Law and Ethics Update and an additional 5 hours of elective credits.

AdjusterPro offers a state-approved 5-hr Florida Law & Ethics Update course, as well as a 4-40 License CE Package that will completely satisfy your CE requirements.

To see complete details on the 4-40 license, visit the Florida Department of Insurance 4-40 Website. You can also contact the department at (850) 413-3137 or agentlicensing@myfloridacfo.com.

The simple answer: YES!

Today, insurance is a part of every aspect of our lives. The industry is one of the largest in the world and employs millions of people in hundreds of different jobs and roles. No matter what your interest, there is likely a position in the insurance industry to suit your talents.

On a smaller scale, the 4-40 License is a great way to break into this booming industry. Working as a customer rep will help you learn about the industry and insurance policies and give you real-world experience should you decide to become a full-fledged agent. Once you have taken our CIR Designation course and worked for 1 year as a licensed 4-40 rep, you qualify to apply for the 2-20 general agent license. In comparison, those who do not have their 4-40 license must take a 200-hour course and pass the state exam before applying.

Once you’ve completed our Florida CIR Course and passed the included exam, you’ll need to pay the following state application fees.
– Licensing and Application Fee: $50
– License ID Fee: $5
– Fingerprint Processing Fee: $48.55

To apply for your Florida 4-40 license, you must complete a state-approved prerequisite course, usually referred to as a “designation.” Our designation course is labeled CIR which stands for Customer Insurance Representative.

Once you complete our CIR course, you’re ready to apply for your 4-40 License.
– Submit your application for licensing through MyProfile
– Process and submit fingerprints: Fingerprinting Requirements
– Submit Proof of Citizenship Documentation
– Log-in to MyProfile to see if your license has been issued

For complete licensing details, see FLDFS Licensing Information.

As a customer rep, you’ll handle many of the day-to-day tasks for the agent or agency. You might discuss policies and coverages with customers, answer their questions, handle personal information of clients and potential clients, or make policy changes. Customer Reps can also sell insurance, as long as they are under the supervision of a licensed general agent. Other responsibilities include developing good relationships with policyholders, upselling coverage, and encouraging customers to refer friends and family.

Customer Reps are often seen as the ‘face’ of the agency since they communicate with policyholders and would-be policyholders on a regular basis. They can have a huge impact on customer satisfaction and retention, (the main goal of any insurer) so they are incredibly important. Customer Reps can make commissions, however, commissions cannot total more than half of their annual pay.

This license is required to work for most insurance agents and agencies in Florida. It’s designed for salaried employees of insurance agencies, not agents or brokers who earn the majority of their pay from sales commissions. The 4-40 license allows you to make quotes, explain policies to clients, and provide valuable assistance to sales agents.

There is NO continuing education (CE) requirement for New York auto appraisers. Licenses are valid for two years and will expire on December 31st in each even-numbered year.

Renew your license at NY License Renewal.

• AdjusterPro Course Fee: $149
• Exam Fee: $33
• Licensing Fee: $100
• Fingerprinting Fee: $87
• License Renewal Fee: $50

To obtain your New York MVDA license, complete the following steps:

1. Meet the basic New York MVDA Licensing Requirements

• • Be at least 18 years old
  • Be trustworthy and competent
  • Never have been convicted of a felony or any crime involving fraud or dishonesty

2. While New York does not require a pre-licensing course, we recommend completing the AdjusterPro New York Motor Vehicle Damage Appraiser Exam Prep Course to ensure passing the state exam

3. Register for and pass the New York Damage Appraiser State Exam

• • Register online with PSI
  • When asked to select a provider from the drop-down menu, select 7777 Pre-Licensing Waived (because pre-licensing is not required for this license)

4. Submit an application through the New York Department of Financial Service Application Instructions. We recommend waiting a week to submit your application in order for your exam to be processed

5. Check to see if your license has been issued at NY License Search

There is NO continuing education (CE) requirement for New York adjusters. Licenses are valid for two years and will expire on December 31st in each even-numbered year.

Renew your license through NYDFS Login.

Website: https://www.dfs.ny.gov/apps_and_licensing/agents_and_brokers/home

Mailing Address:
New York Department of Financial Services
Licensing Bureau
One Commerce Plaza,
Albany, NY 12257

Phone: 800-342-3736
Email: licensing@dfs.ny.gov

New York does not grant reciprocal licenses for adjusters. To become a licensed adjuster and work claims in New York, you must pass the state exam.

• AdjusterPro Course Fee: $199
• Exam Fee: $33
• Licensing Fee: $100
• Fingerprinting Fee: $87
• License Renewal Fee: $50

Website: http://www.insurance.pa.gov/Licensees/Pages/default.aspx

Mailing Address:
Pennsylvania Insurance Department
Bureau of Licensing and Enforcement
1209 Strawberry Square
Harrisburg, PA 17120

Phone: 717-787-3840
Email: ra-in-compliance@pa.gov

There is NO continuing education (CE) requirement for Pennsylvania appraisers. Licenses expire on June 30 every year.

Renew your license through NIPR or Sircon Pennsylvania.

• AdjusterPro Course Fee: $149
• Exam Fee: $43
• Licensing Fee: $55
• License Renewal Fee: $55

To obtain your Pennsylvania Series 16-20 Motor Vehicle Physical Damage Appraiser license, complete the following steps:

1. Meet the basic Pennsylvania Motor Vehicle Physical Damage Appraiser Licensing Requirements

• • Be at least 18 years old
  • Be trustworthy
  • Possess the appropriate experience or training in motor vehicle damage appraisal

2. Complete an approved training course, such as AdjusterPro’s Pennsylvania’s Damage Appraiser Exam Prep Course, or have six months of continuous experience related to this field

• • Fax or email training course completion certificate or proof of work experience to:
    Pennsylvania Insurance Department (PID)
    Email: ra-in-producer@state.pa.us
    Fax: 717-787-8553

3. Register for and pass the Pennsylvania Motor Vehicle Physical Damage Appraiser Exam

• • Register online with PSI
  • Select PA Motor Vehicle Damage Appraiser
  • If asked to select a provider from the drop-down menu, select 99999 Other (because pre-licensing is not required for this license)

4. Submit your application using

• • NIPR: https://nipr.com/
  • Sircon: https://www.sircon.com/landingPages/states/pennsylvania/content.jsp
  • Or complete a PA Motor Vehicle Physical Damage Appraiser Application and mail it along with your payment to:

• • • Pennsylvania Insurance Department
      Bureau of Licensing & Enforcement
      1209 Strawberry Square
      Harrisburg, PA 17120

5. Check to see if your license has been issued at PID Licensees

Additional licensing information is available on the PID Website.

There is NO continuing education (CE) requirement for Rhode Island adjusters.

Renew your license with the state through NIPR.

To obtain your Rhode Island Auto Appraiser License, complete the following steps:

1. Meet the basic Rhode Island Auto Appraiser Licensing Requirements

• • Be at least 18 years old
  • Obtain a Criminal Background Check
  • Operate independently of any repair shop or car dealership

2. While Rhode Island does not require a pre-licensing course, we recommend completing AdjusterPro’s Rhode Island Auto Appraiser Exam Prep Course to ensure passing the state exam

3. Register for and pass the Rhode Island State Exam

• • Register online with PearsonVue Rhode Island

4. Obtain a Criminal Background (B.C.I) Report from the Rhode Island Attorney General’s office. Details regarding the B.C.I. report are available on the RIAG website or by calling the office at 401-274-4400. Background reports are valid for 30 days and a copy must be sent to: dbr.inslic@dbr.ri.gov.

5. Submit an application through NIPR Rhode Island

6. Submit a RI Employment Affidavit. This is only required if the applicant is not currently employed with an insurance company. An affidavit that matches the current employment status needs to be completed, notarized, and attached to application.

7. Check to see if your license has been issued at SBS Rhode Island

Additional licensing details are available at Rhode Island DOI Licensing.

Rhode Island allows you to hold both an adjuster license and an auto appraiser license in order to handle both parts of an auto claim: the appraisal and the settlement. Click on the insurance adjuster tab above for more information.

• AdjusterPro Course Fee: $149
• Exam Fee: $80 at testing center or $50 for online exam
• Licensing Fee: $150
• Background Check Fee: $5
• Fingerprinting Fee: $15
• License Renewal Fee: $150

There is NO continuing education (CE) requirement for Rhode Island appraisers.

Renew your license through SBS Rhode Island.

There is NO continuing education (CE) requirement for South Carolina appraisers. Licenses are renewed in October of odd-numbered years.

Renew your license at NIPR.

• AdjusterPro Course Fee: $149
• Exam Fee: $45
• Licensing Fee: $80
• SLED Fee: $25
• Renewal Fee: $80

There is NO continuing education (CE) requirement for Vermont appraisers. The Department will send out renewal notices for existing licensees at the beginning of the even year.

The Auto Damage Appraiser License term ends March 31st of even years. The department will send out renewal notices for existing licensees at the beginning of the even year.

Renew your license through NIPR or Sircon Vermont.

• AdjusterPro Course Fee: $149
• Exam Fee: $50
• Application Fee: $30
• Licensing Fee: $120

To obtain your Vermont 14-37 Damage Appraiser license, complete the following steps:

1. Meet the basic Vermont Damage Appraiser Licensing Requirements
a. Be at least 18 years old
b. Be deemed competent, trustworthy, financially responsible, and of good personal and business reputation
c. Meet the experience requirement through one of the following:
– Have 2 years of experience in loss appraisal
– Have completed an approved training program
– Employed by and subject to the supervision of an appraiser who has been licensed at least 3 years in Vermont

2. While Vermont does not require a pre-licensing course, we recommend completing AdjusterPro’s Vermont Appraiser Exam Prep Course to ensure passing the state exam

3. Register for and pass the Vermont Damage Appraiser Exam
– Register online with Prometric

4. Submit application and test score report electronically through NIPR

Additional licensing details are available on the Vermont Auto Damage Appraiser Info page.

Vermont allows you to hold both an adjuster license and an auto appraiser license in order to handle both parts of an auto claim: the appraisal and the settlement. Click on the insurance adjuster tab above for more information.

There is NO continuing education (CE) requirement for South Carolina adjusters. Adjuster licenses are renewed in August of odd-numbered years.

Renew your license with the state at NIPR.

Beginning January 1, 2020, both resident and non-resident adjusters must complete 24 hours of continuing education prior to renewal. You cannot receive credit for any course more than once in any CE reporting period. Excess CE hours cannot be carried over into the next compliance cycle. 

The 24 hours must consist of:

• 3 hours of Ethics.
• Resident adjusters: 3 hours of Oregon law.

The new CE requirement applies to any individual who has had the full 24 months to complete the continuing education. As such, the first licenses that this will apply to those are those issued or renewed on or after January 1, 2020, for all licenses that expire on January 31, 2021 or later.

CE hours are due by the last day of the renewal month. Renew your license through NIPR.

AdjusterPro offers over 40 hours of continuing education for Oregon adjusters, including state-approved Ethics and Oregon Law courses.  Courses can be purchased as a bundle that will fulfill state requirements or individually.

Nevada grants reciprocal licenses to adjusters who are licensed in their home state or adjusters who hold a Designated Home State (DHS) license, as long as the home or DHS state requires an examination.

To see what states will offer reciprocal licensing privileges to Nevada adjusters, visit our Reciprocity Map and type in Nevada. ​

Website: http://doi.nv.gov/Licensing/License_Types/Adjuster/

Mailing Address:
Nevada Division of Insurance
1818 East College Pkway, Ste 103
Carson City, NV 89706

Phone: (775) 687-0700
Fax: (775) 687-0797
Email: nevada.licensing@doi.nv.gov

• AdjusterPro Nevada Adjuster Exam Prep: $179
• Exam Fee: $39
• Fingerprinting Fee: $38.25 (varies based on vendor)
• Licensing Fee: $185
• License Renewal Fee: $185

The MVDA license is not reciprocal with any state. To obtain your appraiser’s license, you must pass the 2-part state exam.

Fees:

• AdjusterPro Course Fee: $149
• Application Fee (includes part 1 & 2 of exam): $100
• Renewal Fee: $50

Website: https://www.mass.gov/service-details/motor-vehicle-damage-appraiser

Mailing Address:

Massachusetts Division of Insurance

Auto Damage Appraisers Licensing Board

1000 Washington St, Suite 810

Boston, MA 02118-6200

Phone: 617-521-7448

Fax: 617-753-6881

Email: Robert.Hunter@state.ma.us

There is NO continuing education (CE) requirement for Massachusetts appraisers. Licenses expire annually on June 30th, regardless of issue date. 

Renewal applications are sent out in early March. If an appraiser wants to renew his license he must fill out the application and mail it to the board by June 1, along with the $50 renewal fee. The board will verify the information on the application and if it is complete, will issue a certificate of annual registration, making the appraiser’s license current and up to date.  

Website: https://sites.google.com/a/wyo.gov/doi/licensing

Mailing Address:
Wyoming Department of Insurance
106 East 6th Avenue
Cheyenne, WY 82002

Phone: 307-777-7319
Fax: 307-777-2446
Email: insurancelicensing@wyo.gov or Contact Form

Resident adjusters are required to complete 24 hours of continuing education (CE) every two years. The 24 hours must include at least 3 hours of Ethics. Licenses renew every two years, on the last day of the licensee’s birthday month.

A Wyoming licensee may not receive credit for the same course more than once every 48 months (4 years). Carry-over credit hours may be used towards your 24 hours of required continuing education.  A ‘carry-over credit hour’ is a CE credit hour earned in the 120 days before the licensing continuation date that is in excess of the 24 hours of required CE per two 2-year licensing period, which may be applied to the next continuing education period. Carry-over credit hours may NOT count towards the required ETHICS hours. Be sure to track and plan your CE courses accordingly.

Renew your license through NIPR or Sircon Wyoming.

AdjusterPro offers over 24 hours of continuing education for Wyoming adjusters. Courses can be purchased as a bundle that will fulfill state requirements or individually.

Wyoming grants reciprocal licenses to adjusters who hold a home state or Designated Home State (DHS) license, as long as that state requires an exam, background and fingerprinting, and 24 hours of CE per renewal period. Due to these requirements, Wyoming does not offer reciprocity to adjusters from the following states: AL, AZ, CT, DE, GA, HI, ME, MI, MS, NV, NM, NY, OR, RI, SC, VT, WA, WV.

To see what states will offer reciprocal licensing privileges to Wyoming adjusters, visit our Reciprocity Map and select Wyoming.

• AdjusterPro Course Fee: $179
• Exam Fee: $96
• Licensing Fee: $100
• Fingerprinting Fee: $39
• License Renewal Fee: $100

West Virginia adjusters must complete 24 hours of continuing education every two years (biennium). The 24 hours of general education must consist of at least 3 hours of ethics CE.

A West Virginia licensee may not receive credit for the same course more than once every 48 months (2 years). Carry-over credit hours may be used towards your 24 hours of required continuing education.  A ‘carry-over credit hour’ is a CE credit hour earned in the 120 days before the licensing continuation date that is in excess of the 24 hours of required CE per two 2-year licensing period, which may be applied to the next continuing education period. Carry-over credit hours may NOT count towards the required ETHICS hours. Be sure to track and plan your CE courses accordingly.

Complete your CE requirements and then you can process your renewal through NIPR.

AdjusterPro offers over 40 hours of continuing education for WV adjusters, including state-approved ethics courses. Courses can be purchased as a bundle that will fulfill state requirements or individually.

Website: https://www.wvinsurance.gov

Mailing Address:
West Virginia Offices of the Insurance Commissioner
PO Box 50540
Charleston, WV 25305

Phone: 304-558-0610
Fax: 304-558-4966
Email: OICAgentLicensing@wv.gov

West Virginia grants reciprocal licenses to adjusters who are licensed in their home state or who hold a Designated Home State (DHS) license, as long as that state requires an examination and grants reciprocal licenses to WV adjusters.

To see what states will offer reciprocal licensing privileges to West Virginia adjusters, visit our Reciprocity Map and select West Virginia. ​

• AdjusterPro Course Fee: $179
• Exam Fee: $86
• Fingerprinting Fee: $45.75
• Licensing Fee: $50
• License Renewal Fee: $50

Starting July 1, 2022, Washington will begin requiring insurance adjusters complete CE hours as part of their license renewal process. Adjusters whose license renewal is after July 31, 2022, will be required to meet this new requirement, as well as all resident and DHS adjusters who are licensed after July 2022.

Washington adjusters and DHS license holders will be required to complete 24 hours of CE, including 3 hours of ethics training. This must be completed during each license renewal period of two years.

Renew your license through the WOIC Service Portal.

Website: https://www.insurance.wa.gov/independent-adjuster

Mailing Address:
Office of the Insurance Commissioner
Licensing Division
P. O. Box 40257
Olympia, WA 98504-0257

Phone: 360-725-7144
Fax: (360) 586-2019
Email: Online Submission Form

Washington grants reciprocal licenses to adjusters who hold a home state or Designated Home State (DHS) license, as long as that state requires an examination and grants reciprocal licenses to Washington adjusters. Reciprocal licenses are not available for CA, HI, and NY.

To see what states will offer reciprocal licensing privileges to Washington adjusters, visit our Washington Reciprocity Map. ​

• AdjusterPro Washington Exam Prep Course: $179
• Exam Fee: $35
• Fingerprinting Fee: $49.25
• Licensing Fee: $55
• License Renewal Fee: $50

There is NO continuing education (CE) requirement for Vermont adjusters. The license term is March 31st of even years. Detailed renewal information is available on the VDFR website page.

Renew your license through NIPR or Sircon.

Website: https://dfr.vermont.gov/industry/insurance/producer-and-individual-licensing 

Mailing Address:
Vermont Department of Financial Regulation
89 Main Street
Montpelier, VT 05620

Phone: 802-828-3302 or 800-964-1784 (toll free)
Fax: 802-828-1633
Email: dfr.producerlicensing@vermont.gov

Vermont grants reciprocal licenses to adjusters who are licensed in their home state, or adjusters who hold a Designated Home State (DHS) license, as long as the home or DHS state requires an examination. 

To see what states will offer reciprocal licensing privileges to Vermont adjusters, visit our Reciprocity Map and select Vermont. ​

• AdjusterPro Course Fee: $179
• Exam Fee: $65
• Application Fee: $30
• Licensing Fee: $120
• License Renewal Fee: $120

Resident adjusters are required to complete 24 hours of continuing education (CE) every two years. The 24 hours must include at least 3 hours of Ethics. 12 of the 24 hours must take place in a classroom or be classroom equivalent type courses. AdjusterPro CE courses do satisfy this requirement. 

You cannot receive credit for any course more than once in any CE reporting period. Excess CE hours cannot be carried over into the next compliance cycle. 

Adjuster licenses expire every two years on the last day of the licensee’s birth month. Detailed CE information is available on the UID License Renewal and Reinstatement page.

Renew your license through NIPR or Sircon. 

AdjusterPro offers over 24 hours of continuing education for Utah adjusters, including the required Ethics course. Courses can be purchased as a bundle that will fulfill state requirements or individually.

Website: https://insurance.utah.gov/licensees/special-requirements/adjuster

Mailing Address:
Utah Insurance Department
4315 S. 2700 W., Suite 2300
Taylorsville, UT   84129

Phone: (801) 957-9240
Fax: (385) 465-6047
Email: licensing.uid@utah.gov

Utah grants reciprocal licenses to adjusters who are licensed in their home state. Utah will also accept a Designated Home State (DHS) license for adjusters whose home state does not license. 

To see what states will offer reciprocal licensing privileges to Utah adjusters, visit our Reciprocity Map and select Utah. ​

• AdjusterPro Course Fee: $179
• Exam Fee: $32
• Licensing Fee: $75
• Fingerprinting Fee: $28.25 + $6 Prometric processing fee
• License Renewal Fee: $75

Website: http://www.tdi.texas.gov/licensing/agent/index.html

Mailing Address:
Texas Department of Insurance
Agent & Adjuster Licensing Office
PO Box 149104
Austin, TX 78714-9104

Phone: 512-676-6000
Fax: 512-490-1029
Email: license@tdi.texas.gov

Texas grants reciprocal licenses to adjusters who are licensed in their home state or who hold a Designated Home State (DHS) license, as long as that state grants reciprocal licenses to Texas adjusters. CA, HI, and NY do not offer reciprocal licenses to Texas adjusters. 

To see what states will offer reciprocal licensing privileges to Texas adjusters, visit our Reciprocity Map and select Texas. ​

Texas resident adjusters and DHS license holders are required to complete 24 hours of continuing education (CE) every two years. The 24 hours of continuing education must include 3 hours of Ethics. For licenses expiring on or after September 30, 2022, the CE requirement for ethics will increase from two hours to three hours per license. This change doesn’t affect the total number of hours required during the two-year licensing period.

Licenses renew every two years, on the last day of the licensee’s birthday month. Detailed CE information is available on the TDI Continuing Education FAQ page. 

If you’ve had your license for less than a full two years, Texas has prorated CE requirements.

You cannot receive credit for any course more than once in any CE reporting period. Excess CE hours cannot be carried over into the next compliance cycle. 

Renew your license through TDI Licensing Renewal. 

AdjusterPro offers over 40 hours of continuing education for Texas adjusters. Courses can be purchased as a bundle that will fulfill state requirements or individually.

• AdjusterPro Course with State Exam: $279
• License Application Fee: $50
• Fingerprinting Fee: $70
• License Renewal Fee: $50

South Carolina grants reciprocal licenses to adjusters who are licensed in their home state, or adjusters who hold a Designated Home State (DHS) license, as long as the home or DHS state requires an examination. 

To see what states will offer reciprocal licensing privileges to South Carolina adjusters, visit our Reciprocity Map and select South Carolina. ​

Website: http://doi.sc.gov/355/Adjuster

Mailing Address:
South Carolina Department of Insurance

1201 Main St., Suite 1000

Columbia, SC 29201

Phone: 803-737-6095
Email: agentmail@doi.sc.gov

• AdjusterPro Course Fee: $179
• Exam Fee: $45
• SLED Report Fee: $25
• Licensing Fee: $80
• License Renewal Fee: $80

An additional $5 fee will be added to licensing and renewals processed through NIPR.

Website: https://dbr.ri.gov/divisions/insurance/producersadjusters.php

Mailing Address:
Insurance Regulation Division
1511 Pontiac Ave
Cranston, RI 02920

Phone: 401-462-9520
Fax: 401-462-9602
Email: dbr.insurance@dbr.ri.gov

Rhode Island grants reciprocal licenses to adjusters who are licensed in their home state or adjusters who hold a Designated Home State (DHS) license, as long as the home or DHS state requires an examination.

To see what states will offer reciprocal licensing privileges to Rhode Island adjusters, visit our Reciprocity Map and select Rhode Island. ​

• AdjusterPro Course Fee: $179
• Exam Fee: $80 at testing center or $50 for online exam
• Licensing Fee: $250 (This fee is waived for any honorably discharged veteran by submitting a DD-214 Form)
• Background Check Fee: $45
• Fingerprinting Fee: $15
• License Renewal Fee: $250

Website: https://dfr.oregon.gov/business/licensing/insurance/license-types/Pages/adjusters.aspx

Mailing Address:
Oregon Division of Financial Regulation
P.O. Box 14480
Salem, OR 97309-0405

Phone: 503-947-7981
Fax: 503-378-4351​​​​​​
Email: web.insagent@oregon.gov

Oregon grants reciprocal licenses to adjusters who are licensed in their home state. Oregon will also accept a Designated Home State (DHS) license for adjusters whose home state does not license.

To see what states will offer reciprocal licensing privileges to Oregon adjusters, visit our Reciprocity Map and select Oregon. ​

• Exam Fee: $45
• Fingerprinting Fee: $61.25
• Licensing Fee: $75
• License Renewal Fee: $45

Resident adjusters are required to complete 24 hours of continuing education (CE) every two years, including 3 hours in Ethics. In the first compliance period and every other compliance period after that (every four years), adjusters must also complete 3 hours in Flood Insurance. So the 24 hours must consist of:

• 3 hours of Ethics every two years
• 3 hours of Flood Insurance for the first compliance cycle, and every four years after that

North Carolina Adjusters will not receive credit for any CE course taken twice in any 24-month period, regardless of their license compliance cycle. Be sure to track and plan your CE courses accordingly. Any credits above the required number of CE hours will carry forward to the next biennial compliance period. Excess ethics or flood credits will carry over to the next compliance period as general credits.

The date of compliance for CE varies according to the month and year of birth of the licensee. Review NCDOI CE Information Chart to determine your compliance date.

Renew your license through NIPR.

AdjusterPro offers 190 hours of continuing education for North Carolina adjusters. Courses can be purchased as a bundle that will fulfill state requirements or individually.

Website: https://www.ncdoi.gov/licensees/agent-and-adjuster-licensing

Mailing Address:
Agent Services
1204 Mail Service Center
Raleigh, NC 27699-1204

Phone: 919-807-6800
Fax: 919-715-3794
Email: ASD@ncdoi.gov

North Carolina grants reciprocal licenses to adjusters who are licensed in their home state. North Carolina will also accept a Designated Home State (DHS) license from an adjuster whose home state does not license.

To see what states will offer reciprocal licensing privileges to North Carolina adjusters, visit our Reciprocity Map and select North Carolina. ​

• AdjusterPro Course Fee: $179
• Exam Fee: $45
• Registration Fee: $50
• Application Processing Fee: $44
• License Fee: $75
• NIPR Application Transaction Fee: $5.60
• License Renewal Processing Fee: $34
• License Renewal Fee: $75

Resident adjusters are required to complete 24 hours of continuing education (CE) every two years. The 24 hours must include at least 3 hours of Ethics.

New Mexico independent adjusters cannot take the same course within the same compliance cycle (2 years) and receive credit. Excess CE credits cannot be applied to the next compliance cycle.

Adjusters that work Flood claims are required to take 3 hours of continuing education related to Flood Insurance by February 27, 2019. Detailed CE information is available on the New Mexico OSI CE page.

Renew your license through NIPR.

AdjusterPro offers over 200 hours of continuing education for New Mexico adjusters, including a state-approved Ethics course. Courses can be purchased as a bundle that will fulfill state requirements or individually.

Website: New Mexico Office of Superintendent of Insurance

Mailing Address:

Office of Superintendent of Insurance
Producer Licensing Bureau
1120 Paseo de Peralta
Santa Fe, NM 87501

Phone: 855-427-5674
Email: Agents.Licensing@osi.nm.gov

New Mexico grants reciprocal licenses to adjusters who are licensed in their home state. New Mexico will also accept a Designated Home State (DHS) license from an adjuster whose home state does not license.

In 2022, New Mexico added the following clarifications to its reciprocity policy:

“The Office of Superintendent of Insurance will accept a DHS license for reciprocity purposes only when the individual’s home state does not require licensure as an adjuster, permit a staff adjuster to be licensed as an independent adjuster, or the individual’s home state licensing requirements do not meet the criteria required by the OSI to become licensed as an adjuster in New Mexico.”

To see what states will offer reciprocal licensing privileges to New Mexico adjusters, visit our Reciprocity Map and select New Mexico. ​

• AdjusterPro Course Fee: $179
• Exam Fee: $75
• Fingerprinting Fee: $59
• Licensing Fee: $30
• License Renewal Fee: $60

Effective January 1, 2020, New Hampshire will require 24 hours of CE every two years. The 24 hours must include 3 hours of Ethics. (Previous requirement was 20 hours of continuing education every 2 years.)

You cannot receive credit for any course more than once in any CE reporting period. Excess CE credits cannot be applied to the next compliance cycle.

Renew your license through NIPR.

AdjusterPro offers over 170 hours of continuing education for New Hampshire adjusters, including a state-approved Ethics course. Courses can be purchased as a bundle that will fulfill state requirements or individually.

New Hampshire grants reciprocal licenses to adjusters who are licensed in their home state. New Hampshire will also accept a Designated Home State (DHS) license from an adjuster whose home state does not license. 

To see what states will offer reciprocal licensing privileges to New Hampshire adjusters, visit our Reciprocity Map and select New Hampshire. ​

Website: https://www.nh.gov/insurance/producers/adjusterslicenses.htm

Mailing Address:
New Hampshire Insurance Department
21 South Fruit Street, Suite 14
Concord, NH 03301

Phone: 603-271-0203
Fax: 603-271-7029
Email: producerquestions@ins.nh.gov

• AdjusterPro Course Fee: $179
• Exam Fee: P&C Adjuster $65
• Licensing Fee: $75
• License Renewal Fee: $75

Montana grants reciprocal licenses to adjusters who hold a license in their home state. Montana will also accept a Designated Home State (DHS) license for adjusters whose home state does not license. 

To see what states will offer reciprocal licensing privileges to Montana adjusters, visit our Reciprocity Map and select Montana. ​

Resident adjusters are required to complete 24 hours of continuing education (CE) every two years. The 24 hours must include:

• 3 credit hours of Ethics
• 1 credit hour of Legislative Updates

You cannot receive credit for any course more than once in any CE reporting period. Excess CE credits cannot be applied to the next compliance cycle.

Renew your license through NIPR.

AdjusterPro offers over 40 hours of continuing education for Montana adjusters, including a state-approved Ethics and Legislative Update Course. Courses can be purchased as a bundle that will fulfill state requirements or individually.

Website: http://csimt.gov/insurance/licensing/

Mailing Address:
Montana Commission of Securities and Insurance
840 Helena Ave, Helena
Montana 59601

Phone: 406-444-2040
Fax: 406-444-3413

• AdjusterPro Course Fee: $179
• Exam Fee: $59
• Licensing Fee: $50
• Fingerprinting and Background Check: $54     
• License Renewal Fee: $100

Resident adjusters will be required to complete 24 hours of continuing education (CE) every two-year license term. The 24 hours must include at least 3 hours of Ethics. You cannot receive credit for any course more than once in any CE reporting period. Excess CE credits cannot be applied to the next compliance cycle.

Initial licenses expire on the last day of the licensee’s birth month in the following year, but no less than 13 months from the date of issue. After that, the license will expire every two years on the last day of the adjuster’s birth month. Review Mississippi’s CE Chart detailing how many CE hours are required for your license.

• For initial licenses in effect for 13-18 months: 12 hours of continuing education is required each year prior to the expiration date.

• For initial licenses in effect for 19-24 months: 24 hours of continuing education including three hours of ethics.

Renew your license through Sircon.

AdjusterPro offers over 24 hours of continuing education for Mississippi adjusters, including a state-approved Ethics course. Courses can be purchased as a bundle that will fulfill state requirements or individually.

• AdjusterPro Prelicensing Course Fee: $199
• Exam Fee: $52
• Initial Licensing & Application Fee: $100
• License Renewal Fee: $100
  • Additional fees may be applicable when applying or renewing electronically through SIRCON or NIPR

Mississippi grants reciprocal licenses to adjusters who are licensed their home state or adjusters who hold a Designated Home State (DHS) license, as long as the home or DHS state requires an examination.

To see what states will offer reciprocal licensing privileges to Mississippi adjusters, visit our Reciprocity Map and select Mississippi. ​

Website: http://www.mid.ms.gov/licensing/adjuster-licensing.aspx

Mailing Address:
Mississippi Insurance Department
PO Box 79
Jackson, MS 39205-0079

Phone: 601-359-3582
Email: licensing@mid.ms.gov

Website: https://mn.gov/commerce/licensees/insurance/adjusters.jsp

Mailing Address:
Minnesota Commerce Department-Licensing
85 7th Place East, Suite 280
St. Paul, MN 55101

Phone: 651-539-1599
Email: licensing.commerce@state.mn.us

Minnesota grants reciprocal licenses to adjusters who are licensed in their home state. Minnesota will also accept a Designated Home State (DHS) license for adjusters whose home state does not license.  

To see what states will offer reciprocal licensing privileges to Minnesota adjusters, visit our Minnesota Reciprocity Map.

• Exam Fee: $25
• Licensing Fee: $50
• Fingerprinting Fee: $33.25   
• License Renewal Fee: $50
• Technology Surcharge: $15

Website: https://www.michigan.gov/difs/about/contact-info

Mailing Address:
Michigan DIFS
PO Box 30220
Lansing, MI 48909-7720

Phone: 517-284-8800 or 877-999-6442 (Toll-Free)
Fax: 517-284-8837
Email: difs-licensing@michigan.gov

Michigan grants reciprocal licenses to adjusters who are licensed in their home state or adjusters who hold a Designated Home State (DHS) license, as long as the home or DHS state requires an examination.

To see what states will offer reciprocal licensing privileges to Michigan adjusters, visit our Reciprocity Map and select Michigan. ​

• AdjusterPro Exam Prep Course: $179
• Exam Fee: $40
• Licensing Fee: $15
• NIPR Processing Fee: Residents $5
• License Renewal Fee: $5

Learn more at https://www.michigan.gov/difs/industry/licensing-ins/adjuster/general-info/how-to-become-licensed-as-an-insurance-adjuster

Website: https://www.maine.gov/pfr/insurance/home

Mailing Address: 

Department of Professional & Financial Regulation

Bureau of Insurance

#34 State House Station

Augusta, ME 04333-0034

Phone: 207-624-8475

Fax: 207-624-8599

Email: Insurance.PFR@maine.gov

Maine grants reciprocal licenses to adjusters who are licensed in their home state. Maine will also accept a Designated Home State (DHS) license for adjusters whose home state does not license.

To see what states will offer reciprocal licensing privileges to Maine adjusters, visit our Reciprocity Map and select Maine. ​

Fees: 

• AdjusterPro Exam Prep Course: $179
• Exam Fee: $55
• Licensing Fee: $30
• Application Fee: $15
• Renewal Fee: $30 (+$15 if you renew through NIPR)

Nonresident licensing fees differ from resident fees.

There are 4 basic adjuster license types in Florida you need to know: the 6-20, 7-20, 70-20, and 3-20.

Our Florida Certified Adjuster Pre-Licensing Course fulfills the state’s prerequisites for the 6-20, 7-20, and 70-20 adjuster licenses. Students who complete our course and pass the included exam are exempt from the state adjuster exam and qualified to apply for their license. You’ll choose which license you need on your Florida adjuster application.

6-20 Resident All-Lines Adjuster License
This license is for any resident of Florida looking to be a staff or independent adjuster.

7-20 Nonresident All-Lines Adjuster License
This license is for any nonresident of Florida looking to handle Florida insurance claims. This is what you’ll apply for if you’re a licensed adjuster in another state and wanting reciprocal licensing privileges in Florida.

70-20 Nonresident Designated Home State (DHS) License
This license is for nonresidents of Florida who live in states that do not license insurance adjusters. If you live in Illinois for example, you don’t need an adjuster license to handle claims in that state. However, if you want to handle claims in any licensing state, or be employed by an IA Firm and deployed to handle disaster claims, you will still need a license. To solve this issue, the industry created the Designated Home State (DHS) License. If you live in a nonlicensing state, the Florida 70-20 license is our recommended DHS license.

3-20 Public Adjuster License
The 3-20 license is exclusively for public adjusters. The process for becoming a Public Adjuster in Florida is a bit more complex than the previous license designations, but the first step is to obtain the 6-20 license listed above. After receiving the 6-20 license, you must train under another public adjuster for 6 months and then pass the 3-20 exam to become a licensed public adjuster.

4-40 Customer Representative License
While this isn’t an adjuster license, we wanted to mention it to help avoid any confusion. The 4-40 Customer Representative License is for Florida residents who work in insurance agencies or for insurance agents.

Resident adjusters are required to complete 24 hours of continuing education (CE) every two years. The 24 hours must include at least 3 hours of Ethics. Louisiana adjusters will not receive credit for any CE course taken twice in any 24-month period, regardless of their license compliance cycle. Be sure to track and plan your CE courses accordingly. Excess CE credits cannot be applied to the next compliance cycle.

Adjuster licenses renew on the last day of the licensee’s birth month. Even-numbered licenses renew in even years and odd-numbered licenses renew in odd years.

Renew your license with the state through NIPR.

AdjusterPro offers over 180 hours of state-approved continuing education for Louisiana adjusters, including two 3-hour Ethics courses.

Courses can be purchased as a bundle that will fulfill state requirements or individually.

Website: http://www.ldi.louisiana.gov/industry/producer-adjuster/license-application

Mailing Address:
Louisiana Department of Insurance
PO Box 94214
Baton Rouge, LA 70804

Phone: 225-342-0860

Fax: 225-342-3754

Email: producerlicensing@ldi.la.gov

Louisiana grants reciprocal licenses to adjusters who are licensed in their home state or adjusters who hold a Designated Home State (DHS) license, as long as the home or DHS state requires an examination.

To see what states will offer reciprocal licensing privileges to Louisiana adjusters, visit our Louisiana Reciprocity Map.

• AdjusterPro Course Fee: $179
• Exam Fee: $15
• Licensing Fee: $55
• Fingerprinting Fee: $39.25
• License Renewal Fee: $50

Resident adjusters are required to complete 24 hours of continuing education (CE) every two years. The 24 hours must include at least 3 hours of Ethics. CE must be completed the last day of your birth month, odd or even-numbered years, depending on the year you were born.

Renew your license through NIPR.

AdjusterPro offers over 40 hours of continuing education for Kentucky adjusters. Courses can be purchased individually or as a bundle that will fulfill state requirements.

Website: http://insurance.ky.gov/PPC/

Mailing Address:
Agent Licensing Division
P.O. Box 517,
Frankfort, Kentucky 40602-0517

Phone: 502-564-6004
Fax: 502-564-6030
Email: DOI.AgentLicensingMail@ky.gov

Kentucky grants reciprocal licenses to adjusters who are licensed in their home state or adjusters who hold a Designated Home State (DHS) license, as long as the home or DHS state requires an examination. 

To see what states will offer reciprocal licensing privileges to Kentucky adjusters, visit our Kentucky Reciprocity Map.

• AdjusterPro Course Fee: $179
• Exam Fee: $50
• Licensing Fee: $50 IA/$100 staff per line of authority (P&C, Crop, or Workers’ Comp)
• Background Check Fee: $20
• License Renewal Fee: $50

Resident adjusters are required to complete 24 hours of continuing education (CE) every two years. You cannot receive credit for any course more than once in any CE reporting period. Excess CE credits cannot be applied to the next compliance cycle.

License renewal occurs on the last day of the individual’s birth month. Renew your license through Sircon.

Detailed renewal information is available on the IDOI Renewal Requirements page.

AdjusterPro offers over 40 hours of continuing education for Indiana adjusters. Courses can be purchased as a bundle that will fulfill state requirements or individually.

Website: https://www.in.gov/idoi/2695.htm

Mailing Address:
Indiana Department of Insurance
311 West Washington Street, Suite 103
Indianapolis, Indiana 46204-2787

Phone: 317-232-2389
Fax: 317-234-5882
Email: agentlicensing@idoi.in.gov

Indiana grants reciprocal licenses to adjusters who are licensed in their home state or who hold a Designated Home State (DHS) license, except residents of CA, HI, and NY.

To see what states will offer reciprocal licensing privileges to Indiana adjusters, visit our Indiana Reciprocity Map.

• Indiana Pre-licensing Course: $199
• Exam Fee: $69
• License Fee: $40  (plus $12.50 Sircon service fee and $1.20 processing fee)
  • Total: $53.70
• Renewal Fee: $40  (plus $12.50 Sircon service fee and $1.20 processing fee)
  • Total: $53.70

Resident adjusters are required to complete 24 hours of continuing education (CE) every two years. The 24 hours must include at least 3 hours of Ethics. You cannot receive credit for any course more than once in any CE reporting period. Excess CE credits cannot be applied to the next compliance cycle.

Independent adjuster licenses are good for two years and expire on the last day of the licensee’s birth month. Renew your license through NIPR.

AdjusterPro offers over 140 hours of continuing education for Idaho adjusters, including a state-approved Ethics course. Courses can be purchased as a bundle that will fulfill state requirements or individually.

Website: https://doi.idaho.gov/industry/licensing-services/license-types/adjuster-independent/

Mailing Address:
Idaho Department of Insurance
PO Box 83720
Boise, ID 83720

Phone: 208-334-4250
Fax: 208-334-4398
Email: Use IDOI Contact Form

Idaho grants reciprocal licenses to adjusters who are licensed in good standing in their home state or adjusters who hold a Designated Home State (DHS) license, as long as their home or DHS state grants non-resident licenses to Idaho residents without requiring an examination.

To see what states will offer reciprocal licensing privileges to Idaho adjusters, visit our Reciprocity Map and select Idaho.

• AdjusterPro Course Fee: $179
• Exam Fee: $65
• Licensing Fee: $80
• Fingerprinting Fee: $61.25
• License Renewal Fee: $65.60

There is NO continuing education (CE) requirement for Hawaii adjusters.

Renew your license through HDCCA License Extension/Renewal website or through NIPR. Choose one portal to submit your license.

Insurance Division

Website: http://cca.hawaii.gov/ins/producers/instructions_insurance_license/

Mailing Address:
Hawaii Department of Commerce and Consumer Affairs
Insurance Division
P.O. Box 3614
Honolulu, Hawaii 96811

Phone: 1-808-586-2790
Fax: 1-808-586-2806
Email: inslic@dcca.hawaii.gov

Hawaii does not grant reciprocal licenses. To become a licensed adjuster in Hawaii, you must pass the state exam.

Resident adjusters are required to complete 24 hours of continuing education (CE) every two years. The 24 hours must include at least 3 hours of Ethics. Continuing education requirements must be completed biennially on or before the last day of the licensee’s birth month. You cannot receive credit for any course more than once in a CE reporting period. Excess CE credits may be applied to the next compliance cycle as long as they do not exceed 50% of the requirement.

Renew your license through Sircon Georgia. Detailed CE information is available on Georgia Continuing Education Requirements page.

AdjusterPro offers over 40 hours of continuing education for Georgia adjusters, including a state-approved Ethics course. Courses can be purchased as a bundle that will fulfill state requirements or individually.

Website: The Office of Insurance and Safety Fire

Mailing Address:
Georgia Office of Insurance and Fire Safety Commission
2 Martin Luther King Jr. Dr.
West Tower, Suite 702
ATLANTA, GA 30334

Phone: 404-656-2070
Email: pvgainsurance@pearson.com

Georgia grants reciprocal licenses to adjusters who are licensed in their home state or adjusters who hold a Designated Home State (DHS) license, as long as the home or DHS state requires an examination.

To see what states will offer reciprocal licensing privileges to Georgia adjusters, visit our Georgia Reciprocity Map.

• AdjusterPro Course Fee: $199
• Georgia Adjuster Exam Fee: $63
• License Application Fee: $120
• Fingerprinting Fee: $53.00
• License Renewal Fee: $100

There is NO continuing education (CE) requirement for Delaware appraisers.

Renew your license through NIPR.

• AdjusterPro Course Fee: $149
• Exam Fee: $90
• Licensing Fee: $100
• The fee for a certified State of Delaware Criminal History is $72.00.
• The fee for a certified State of Delaware and Federal Criminal History (must be mandated by law) is $85.00.
• License Renewal Fee: $100

To obtain your Delaware Motor Vehicle Appraiser license, complete the following steps:

1. Meet the basic Delaware Motor Vehicle Licensing Requirements: You must be at least 18 years old

2. While Delaware does not require a pre-licensing course, we recommend completing the AdjusterPro Delaware Motor Vehicle Appraiser Exam Prep Course to ensure passing the state exam

3. Register for and pass the Delaware Appraiser State Exam: You can register online with PearsonVue

4. Submit your application through NIPR

5. Delaware requires applicants to submit both a state and a federal criminal history background check. Both reports should be faxed to 302-736-7906 within 90 days of obtaining fingerprints and submitting your application: Click here for instructions for the state and federal criminal history check

6. Check to see if your license has been issued at SBS Delaware

Additional licensing details are available on the Delaware Licensing Procedures website.

Delaware allows you to hold both an adjuster license and an auto appraiser license to handle both parts of an auto claim: the appraisal and the settlement. Click on the adjuster compliance tab above for more information

Resident adjusters must complete 12 hours of continuing education (CE) every two years. The 12 hours must include at least 3 hours of Ethics. You cannot receive credit for any course more than once in any reporting period. Five excess CE credits can be rolled over into the next compliance cycle. Detailed CE information is available on the DDOI CE FAQ page.

Renew your license through SBS Delaware.

AdjusterPro offers over 24 hours of continuing education for Delaware adjusters. Courses can be purchased as a bundle that will fulfill state requirements or individually.

Website: http://insurance.delaware.gov/divisions/renewlicense/#LicProc

Mailing Address:

Insurance Commissioner

1351 West North Street
Suite 101
Dover, DE 19904

Phone: (302) 674-7390
Fax: 302-736-7906
Email: licensing@delaware.gov

Delaware grants reciprocal licenses to adjusters who are licensed in their home state or who hold a Designated Home State (DHS) license.

To see what states will offer reciprocal licensing privileges to Delaware adjusters, visit our Delaware Reciprocity Map ​

• AdjusterPro Course Fee: $179
• Exam Fee: $90
• Licensing Fee: $100
• The fee for a certified State of Delaware Criminal History is $72.00.
• The fee for a certified State of Delaware and Federal Criminal History (must be mandated by law) is $85.00.
• License Renewal Fee: $100

There is NO continuing education (CE) requirement for Connecticut appraisers. Licenses expire on June 30 of each odd numbered year. Complete renewal details are available on the CID Renewal FAQ Page.

Renew your license through NIPR.

• AdjusterPro Course Fee: $149
• Exam Fee: $120
• Licensing Fee: $130
• License Renewal Fee: $80

To obtain your Connecticut Auto Appraiser 12-CT-16 license, complete the following steps:

1. Meet the basic Connecticut Auto Appraiser Licensing Requirements

• Be at least 18 years old
• Be financially responsible and of good moral character

2. While Connecticut does not require a pre-licensing course, we recommend completing AdjusterPro’s Connecticut Motor Vehicle Damage Appraiser Exam Prep Course to ensure passing the written state exam

3. Register for and pass the Connecticut Appraiser Written Exam

• Register online with PearsonVUE

4. After passing the exam, submit your application through NIPR

5. Check to see if your license has been issued at CID Verify License Page

Additional licensing details are available on the CID website.

Connecticut allows you to hold both an adjuster license and an auto appraiser license in order to handle both parts of an auto claim: the appraisal and the settlement. Click on the adjuster compliance tab above for more information.

There is NO continuing education (CE) requirement for Connecticut adjusters. Licenses expire June 30 of each odd-numbered year. Detailed renewal information is available on the CID Renewal FAQ page.

Renew your license through NIPR.

Website: https://portal.ct.gov/cid/Licensing/?language=en_US

Mailing Address:
Connecticut Insurance Department
Licensing Division
PO Box 816
Hartford, CT 06142

Phone: 860-297-3800
Fax: 860-566-3978
Email: cid.licensing@ct.gov

Connecticut grants reciprocal licenses to adjusters who are licensed in their home state, except CA, HI, and NY. Connecticut will also accept a Designated Home State (DHS) license for adjusters whose home state does not license.

To see what states will offer reciprocal licensing privileges to Connecticut adjusters, visit our Connecticut Reciprocity Map. ​

• AdjusterPro Course Fee: $179
• Exam Fee: $70
• Licensing Fee: $130
• License Renewal Fee: $80

Resident adjusters are required to complete 24 hours of continuing education (CE) every two years. The 24 hours must include at least 3 hours of Ethics. California adjusters cannot receive credit for any CE course more than once in any reporting period. Excess credits can be rolled over into the next reporting period.

Renew your license through NIPR or Sircon.

AdjusterPro offers over 40 hours of continuing education for California adjusters, including a state-approved Ethics Course. Courses can be purchased as a bundle that will fulfill state requirements or individually.

Website: http://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/insurance-adjuster.cfm

Mailing Address:
California Department of Insurance
Visit CDI Contact Us to find the office closest to you

Phone: 800-967-9331
Email: Use CDI Contact Form

California does not grant reciprocal licenses. To become a licensed adjuster in California, you must pass the state exam.

• AdjusterPro Course Fee: $179
• Exam Fee:
  • $122 at a PSI Testing Site (21 sites located throughout state)
  • $79 at CDI Testing Site in Downtown Los Angeles
• Exam Retake fee: $32
• Fingerprint Fee (through PSI): $68.95 or
• Fingerprint Fee (Through CDI): $59
• License Application Fee: $79
• Licensing Fee: $311
• Bond Fee: Varies depending on credit rating and other factors
• License Renewal Fee: $311

Resident adjusters are required to complete 24 hours of continuing education (CE) every two years. The 24 hours must include at least 3 hours of Ethics. Arkansas adjusters may not take the same course more than once within a 2-year period and receive CE credit, regardless of the compliance cycle. Excess credits will roll over into the next compliance cycle as ‘general credits.’

All licenses are issued or renewed for a period of two calendar years and will expire on the last day of the licensee’s birth month in the calendar year of expiration. You must complete the required continuing education ON or BEFORE your birthday. For first-time licensees, the active license period may be 12 months to 24 months, depending on when the license was issued.

Renew your license through NIPR.

AdjusterPro offers over 150 hours of continuing education for Arkansas adjusters. Courses can be purchased as a bundle that will fulfill state requirements or individually.

Website: https://www.insurance.arkansas.gov/pages/industry-regulation/licensing/

Mailing Address:
Arkansas Insurance Department
1 Commerce Way, Suite 104
Little Rock, AR 72202

Phone: 501-371-2750
Fax: 501-683-2604
Email: insurance.license@arkansas.gov

Arkansas grants reciprocal licenses to adjusters who are licensed in their home state or adjusters who hold a Designated Home State (DHS) license.

To see what states will offer reciprocal licensing privileges to Arkansas adjusters, visit our Arkansas Reciprocity Map.

• AdjusterPro Course and Exam Fee: $379
• License Application Fee: $55 + $5.60 NIPR fee
• State Police Record Check Fee: $24
• License Renewal Fee: $120
• CE Filing Fee: $20

There is NO continuing education (CE) requirement for Arizona adjusters unless you hold a Certified Adjuster Designation.

Designation holders must complete 24 hours of CE every two years to maintain their membership in the Association of Certified Adjusters. More details are available here: Maintain my license with the Certified Adjuster Designation.

Renew your license through NIPR.

Website: https://insurance.az.gov/producers/adjuster

Mailing Address:
Arizona Department of Insurance and Financial Institutions
100 N. 15th Avenue, Suite 261
Phoenix, Arizona 85007-2630

Phone: (602) 364-3100
Email: InsuranceLicensing@difi.az.gov

Arizona grants reciprocal licenses to adjusters who are licensed in their home state. Arizona does NOT accept a Designated Home State (DHS) license so you must pass the Arizona state exam if you live in a non-licensing state. To see what states will offer reciprocal licensing privileges to Arizona adjusters, visit our Arizona Reciprocity Map. ​

Certified Adjuster Designation Method:

• AdjusterPro Certified Adjuster Course Fee: $299
• Licensing Fee: $120
• Arizona Department of Public Safety Public Service background check fee: $22.44
• Fieldprint appointment fee: $8.25
• License Renewal Fee: $120

Exam Prep Method:

• AdjusterPro Exam Prep Course Fee: $179
• Exam Fee: $49
• Licensing Fee: $120
• Arizona Department of Public Safety Public Service background check fee: $22.44
• Fieldprint appointment fee: $8.25
• License Renewal Fee: $120

Resident adjusters are required to complete 24 hours of continuing education (CE) every renewal period. The 24 hours must include at least 3 hours of Ethics. You cannot receive credit for any course more than once in a reporting period. Up to 8 hours of excess CE credits can be applied to the next compliance cycle. Any extra ethics credits will carry over as general credits.

Licenses expire biennially on the last day of birth month. Renew your license through NIPR.

AdjusterPro offers over 40 hours of continuing education for Alaska adjusters, including a state-approved Ethics Course. Courses can be purchased individually or as a bundle that will fulfill state requirements.

Resident insurance adjusters are required to complete 24 hours of continuing education (CE) every two years. The 24 hours must include at least 3 hours of Ethics. You cannot receive credit for any course more than once in a reporting period and any excess CE credits cannot be applied to the next compliance cycle.

Adjuster Licenses are renewed biennially in accordance with their birth month. Renew your license through SBS Alabama.

AdjusterPro offers over 100 hours of continuing education for Alabama adjusters, including the required Ethics course. Courses can be purchased as a bundle that will fulfill state requirements or individually.

Resident adjusters are required to complete 24 hours of continuing education (CE) every two years. Oklahoma Adjusters will not receive credit for any CE course taken twice in any 24-month period, regardless of their license compliance cycle. Be sure to track and plan your CE courses accordingly. Up to six (6) excess CE credit hours can be carried forward to the next twenty-four month period as general CE credit hours.

The 24 hours must include:

• 3 hours of Ethics
• 2-hour OK Law Update
• Effective September 1, 2023, the one-hour earthquake continuing education requirement is no longer required for property adjusters.
  • Earthquake CE courses will continue to apply toward general continuing education credit for all license types.

Renew your license through OKID Renewing a License.

AdjusterPro offers over 40 hours of continuing education for Oklahoma adjusters, including a state-approved Legislative Update Course. Courses can be purchased as a bundle that will fulfill state requirements or individually.

Website: https://www.commerce.alaska.gov/web/ins/Producers.aspx

Mailing Address:
State of Alaska Department of Commerce

550 W 7th AVE, STE 1560
Anchorage, AK 99501-3587

Phone: (907) 465-3422
Fax: (907) 269-7910
Email: insurance@alaska.gov

Alaska grants reciprocal licenses to adjusters who are licensed in their home state. Alaska does NOT accept a Designated Home State (DHS) license so you must pass the Alaska state exam if you live in a non-licensing state.

To see what states will offer reciprocal licensing privileges to Alaska adjusters, visit our Alaska Reciprocity Map. ​

• AdjusterPro Exam Prep Course: $179
• Exam Fee: $89
• Fingerprinting Fee: Varies
• Licensing Fee: $75
• License Renewal Fee: $75

Website: http://www.aldoi.gov/Licensing/AdjusterReq.aspx

Mailing Address:
Alabama Department of Insurance
PO Box 303351
Montgomery, AL 36130

Phone: 334-269-3550
Fax: 334-241-4192
Email: Producerlicensing@insurance.alabama.gov

Alabama grants reciprocal licenses to adjusters who are licensed in their home state, except CA, HI, and NY. Alabama will also accept a Designated Home State (DHS) license for adjusters whose home state does not license.

To see what states will offer reciprocal licensing privileges to Alabama adjusters, visit our Alabama Reciprocity Map. ​

• AdjusterPro Exam Prep Course (choose one):
  • Alabama Property & Casualty with Workers’ Comp and Crop: $179
  • Alabama Property & Casualty: $179
  • Alabama Workers’ Compensation: $179
  • Alabama Crop: $179
• Exam Fee: $75
• Total Initial License Fees: $110.00
• Fingerprinting Fee: $49.20
• License Renewal Fee: $80
• NIPR Transaction Fee (for new licenses and renewals): $5.00

Website: https://www.ok.gov/oid/Licensing_and_Education/index.html

Mailing Address:
Oklahoma Insurance Department
Five Corporate Plaza,
3625 NW 56th Street, Suite 100,
Oklahoma City, OK 73112-4511

Phone: 405-521-3916
Fax: 405-522-3642
Email: licensing@oid.ok.gov

Oklahoma grants reciprocal licenses to adjusters who are licensed in their home state, except CA, HI, NM, NV, & NY. Oklahoma will also accept a Designated Home State (DHS) license for adjusters whose home state does not license.

To see what states will offer reciprocal licensing privileges to Oklahoma adjusters, visit our Reciprocity Map and select Oklahoma. ​

• AdjusterPro Exam Prep Course: $179
• Exam Fee: $20
• Licensing Fee: $30 for one line of authority, $50 for two or more lines of authority
• License Renewal Fee: $50

To obtain your Wyoming Adjuster license, complete the following steps:

1. Meet the basic Wyoming Adjuster Licensing Requirements

• • Be an adult (age 18);
  • Be a resident of Wyoming

2. While Wyoming does not require a pre-licensing course, we recommend completing AdjusterPro’s Wyoming Exam Prep Course to ensure passing the state exam

3. Register for and pass the Wyoming State Exam

• • Register online with PearsonVue Wyoming
  • The exam name is WY Property & Casualty Adjuster

4. Submit an application through NIPR or Sircon Wyoming

5. Process and submit Fingerprints. A fingerprint packet will be provided by the Department of Insurance upon receipt of application and fees.

6. Check to see if your license has been issued at Sircon

See additional licensing details, including non-resident information on the Wyoming Department of Insurance website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Wyoming article.

To obtain your Washington Adjuster license, complete the following steps:

1. Meet the basic Washington Adjuster Licensing Requirements

• Be at least 18 years old
• Be trustworthy and competent
• Meet the experience requirement through one of the following:

• • • Successfully complete the Associate in Claims (AIC) Program
    • Adjuster Trainee Program
    • Complete 12 consecutive months (part of which is in the current or previous year) working as a full-time, salaried insurance company or managing general agent (MGA) adjuster, verified by the insurance company or MGA in writing on business letterhead.

2. Prepare for the state exam using AdjusterPro’s Washington Adjuster Exam Prep course

3. Register for and pass the Washington State Exam

• Register online with PSI
• The exam name is WA Adjuster

4. Process and submit Fingerprints according to the Washington Office of the Commissioner (WOIC) Fingerprint Requirements page
Applicants concerned with having a criminal background history can visit Washington Criminal Offenses page for more information

5. Submit your application through the WOIC Online Services

6. Check to see if your license has been issued through WOIC Online Services

See additional licensing details, including non-resident information, on the WOIC website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Washington article.

To obtain your West Virginia Adjuster license, complete the following steps:

1. Meet the basic West Virginia Adjuster Licensing Requirements

• • Be at least 18 years old
  • Be trustworthy and competent

2. While West Virginia does not require a pre-licensing course, we recommend completing AdjusterPro’s West Virginia Exam Prep Course to ensure passing the state exam

3. Register for and pass the West Virginia State Exam

• • Register online with PearsonVue
  • The exam name is WV Adjuster

4. Submit your application using West Virginia Offices of the Insurance Commissioner (WVOIC) Application for Adjuster’s License

• • Effective July 1, 2021, fingerprints will be required of resident adjusters and those designating West Virginia as their home state. To Schedule your ten-minute fingerprint appointment, simply visit Identigo and enter the following Service Code 228NS5. Or you can contact IdentoGo at 1-855-766-7746 for more details.

5. Check to see if your license has been issued at SBS

See additional licensing details, including nonresident information on the WVOIC website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in West Virginia article.

To obtain your Vermont Adjuster license, complete the following steps:

1. Meet the basic Vermont Adjuster Licensing Requirements

• Be at least 18 years old
• Be competent, trustworthy, financially responsible, and of good personal and business reputation
• Meet the experience requirement through one of the following:

• • • The applicant has two years’ experience in handling of loss claims.
    • The applicant has undergone special training of sufficient duration and scope to make him/her competent to fulfill the license requirements. A person seeking to have special training recognized should submit a detailed description of the training, including syllabi, curriculum and training material.
    • The applicant is employed by and subject to the immediate personal supervision of a licensed adjuster who is licensed in Vermont and who has been licensed for at least three years.

2. While Vermont does not require a pre-licensing course, we recommend completing AdjusterPro’s Vermont Exam Prep Course to ensure passing the state exam

3. Register for and pass the Vermont State Exam

• Register online with Prometric Vermont
• The exam name is Adjuster’s Property and Casualty 14-33

4. Submit the application through NIPR or Sircon

• If your application is routine, and does not require any additional information, the license is generally issued within 48 hours

See additional licensing details, including non-resident information, on the VDFR website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Vermont article.

Vermont allows you to hold both an adjuster license and an auto appraiser license in order to handle both parts of an auto claim: the appraisal and the settlement. Click on the auto appraiser tab above to see information on that license.

To obtain your Utah adjuster license, complete the following steps:

1. Meet the basic Utah Adjuster Licensing Requirements

• Be at least 18 years old
• Be competent and trustworthy
• Not have any felony convictions or misdemeanors involving any fiduciary breach of trust, forgery, or theft

2. While Utah does not require a pre-licensing course, we recommend completing AdjusterPro’s Utah Exam Prep Course to ensure passing the state exam

3. Register for and pass the Utah State Exam

• Register online with Prometric

4. Process and submit Fingerprints according to Utah Insurance Department (UID) Fingerprinting Procedures

5. Submit the application through NIPR or Sircon

6. Check to see if your license has been issued at NIPR or Sircon

See additional licensing details, including non-resident information, on the UID website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Utah article.

To obtain your Texas adjuster license, complete the following steps:

1. Meet the basic Texas Adjuster Licensing Requirements

• • Be at least 18 years or older
  • Be a United States citizen or legal alien who possesses a work authorization from the US Immigration and Naturalization Services

2. Complete the required Texas Pre-licensing Course with state exam through AdjusterPro for the requested line of authority:

• • Texas All Lines Adjuster Pre-licensing
  • Texas Property & Casualty Adjuster Pre-licensing

3. Process and submit Fingerprints according to the instructions on the Texas Department of Insurance (TDI) Fingerprint Requirements page

4. Submit the application through Sircon

5. Check to see if your license has been issued at TDI License Search

See additional licensing details, including non-resident information, on the TDI Licensing Resources page and TDI Licensing FAQ. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Texas article.

To obtain your South Carolina adjuster license, complete the following steps:

1. Meet the basic South Carolina Adjuster Licensing Requirements

• • Be at least 18 years old

2. While South Carolina does not require a pre-licensing course, we recommend completing AdjusterPro’s South Carolina Exam Prep Course to ensure passing the state exam

3. Register for and pass the South Carolina State Exam

• • Register online with PearsonVue
  • The organization is South Carolina Insurance
  • The exam name is SC Property, Casualty, Surety, and Marine Adjuster – Series 19-11

4. Provide an original SLED Report from South Carolina Law Enforcement Division

5. Submit the application through NIPR

6. Your National Producer Number (NPN) will be used as your South Carolina license number. You can find your National Producer Number at https://nipr.com/PacNpnSearch.htm

See additional licensing details, including non-resident information, on the SCDOI website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in South Carolina article.

South Carolina requires you to hold both an adjuster license and an auto appraiser license to handle auto claims. Click on the auto appraiser tab above for more information.

To obtain your Rhode Island adjuster license, complete the following steps:

1. Meet the basic Rhode Island Adjuster Licensing Requirements

• Be at least 18 years old

2. While Rhode Island does not require a pre-licensing course, we recommend completing AdjusterPro’s Rhode Island Exam Prep Course to ensure passing the state exam

3. Register for and pass the Rhode Island State Exam

• Register online with PearsonVue
• The exam name is Rhode Island Property Casualty Adjuster

4. Rhode Island requires all applicants to submit to a criminal background check. You can apply in person or via mail through the Rhode Island Attorney General’s office.

• Visit RIAG Background Check or call 401-274-4400 for instructions.

5. Submit the application through NIPR

6. Check to see if your license has been issued at SBS

See licensing details, including nonresident information on the Rhode Island Department of Business Regulation website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Rhode Island article.

Rhode Island allows you to hold both an adjuster license and an auto appraiser license in order to handle both parts of an auto claim: the appraisal and the settlement. Click on the Auto Appraiser tab above for more information.

To obtain your Oregon adjuster license, complete the following steps:

1. Meet the basic Oregon Adjuster Licensing Requirements

• Be at least 18 years old

2. While Oregon does not require a pre-licensing course, we recommend completing AdjusterPro’s Oregon Exam Prep course to ensure passing the state exam

3. Register for and pass the Oregon State Exam

• Register online with PSI
  
• The exam name is OR General Lines Insurance Adjuster

4. Process and submit Fingerprints according to Oregon PSI Fingerprint Instructions

5. Submit the application through NIPR Oregon

6. Check to see if your license has been issued at SBS Oregon

See additional licensing details, including non-resident information, on the Oregon Division of Financial Regulation Licensing Instructions page. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Oregon article.

To obtain your North Carolina adjuster license, complete the following steps:

1. Meet the basic North Carolina Adjuster Licensing Requirements

• • Be at least 18 years old

2. While North Carolina does not require a pre-licensing course, we recommend completing AdjusterPro’s North Carolina Adjuster Exam Prep course to ensure passing the state exam

3. Submit the application online through NIPR before scheduling the state exam

• • Once you have applied, you will receive an email authorization from PearsonVUE that contains information on how to schedule your exam

4. Register for and pass the North Carolina State Exam

• • Register with PearsonVue once you receive authorization
  • The exam name is InsNC-CIAdj26: NC Adjuster
  • 48-72 hours after you pass the exam, NIPR will match your test results with your pending license application and send you an email with further instructions

5. Check if your license has been issued at SBS

See additional licensing details, including nonresident information, on the North Carolina Department of Insurance. Or read complete licensing and compliance instructions on our How to Become an Adjuster in North Carolina article.

To obtain your New York adjuster license, complete the following steps:

1. Meet the basic New York Adjuster Licensing Requirements

• • Be at least 18 years old
  • Be trustworthy and competent
  • Never have committed a felony or any crime involving fraudulent or dishonest practices

2. While New York does not require a pre-licensing course, we recommend completing AdjusterPro’s New York Exam Prep Course to ensure passing the state exam

3. Register for and pass the New York State Exam

• • Register online with PSI
  • When asked to select pre-licensing provider from the drop-down menu, select 7777 Pre-Licensing Waived (because pre-licensing is not required for this license)

4. Get your Fingerprints processed through IdentoGo

5. Submit an application using the New York Department of Financial Services (NYDFS) Instructions for IA (Independent Adjuster) Applicant. After passing the exam, we recommend waiting a week to submit your application in order for your exam to be processed

• • You must include your signed IdentoGO pre-enrollment confirmation/receipt with your license application submission

6. Check to see if your license has been issued at NYDFS License Search

See additional licensing details, including nonresident information on the NYDFS website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in New York article.

New York allows you to hold both an adjuster license and an auto appraiser license in order to handle both parts of an auto claim: the appraisal and the settlement. Click on the Auto Appraiser tab at the top of the page for more information.

To obtain your New Mexico 18-40 (independent or staff) adjuster license, complete the following steps:

1.  Meet the basic New Mexico Adjuster Licensing Requirements

• Be at least 18 years old
• Be able to demonstrate a good business reputation, and must intend to engage in a bona fide manner in the business of adjusting insurance claims

2.  While New Mexico does not require a pre-licensing course, we recommend completing AdjusterPro’s New Mexico Exam Prep Course to ensure passing the state exam

3.  Register for and pass the New Mexico State Exam
– Register online with Prometric New Mexico

– The exam name is 18-40 Independent and Staff Adjuster

4. New Mexico requires resident applicants to submit their fingerprints electronically for a background check. Fingerprinting must be done at one of the authorized fingerprint locations. Multiple locations are offered as you follow the online registration process. You will be asked to select a location site and date. Appointments are required. To view site location before registration, click here.

Bring your appointment confirmation print out and an acceptable form of identification.

• Register at https://nm.state.identogo.com/
• The ORI Number for the Office of Superintendent of Insurance (OSI) is NM920210Z.

5.  Complete the Independent Adjuster Affiliation Form

6.  Submit an application through NIPR within 30 days of passing the exam

7.  Check to see if your license has been issued at SBS

See additional licensing details, including nonresident information on the New Mexico Office of Superintendent of Insurance website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in New Mexico article.

To obtain your New Hampshire adjuster license, complete the following steps:

1.  Meet the basic New Hampshire Adjuster Licensing Requirements
– Be at least 18 years old

2.  While New Hampshire does not require a pre-licensing course, we recommend completing AdjusterPro’s New Hampshire Adjuster Exam Prep Course to ensure passing the state exam

3.  Register for and pass the New Hampshire State Exam
– Register online with Prometric New Hampshire

4.  Submit the application using New Hampshire Insurance Department (NHID) Adjuster License Application or online at NIPR

5.  Check to see if your license has been issued at SBS

See additional licensing details, including information for nonresidents, on the NHID Adjuster Licensing page. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in New Hampshire article.

To obtain your Nevada adjuster license, complete the following steps:

1.  Meet the basic Nevada Adjuster Licensing Requirements
– Be at least 18 years old
– Be able to declare Nevada as your home state
– Be an independent contractor
– Be competent, trustworthy, financially responsible and of good reputation
– Never have convicted of forgery, embezzlement, obtaining money under false pretenses, larceny, extortion, or conspiracy to commit fraud

2.  Register for and pass the Nevada State Exam
– Register online with PearsonVue Nevada

-Select “8888, Claimed exempt for Prelic Req

Important note: Nevada’s licensing requirements have changed recently but those changes are not reflected on the Nevada Department of Insurance website or PearsonVue. The websites still state that adjusters need to take and provide proof of completing an approved pre-licensing course before they can take the state exam. This is no longer the case. No pre-licensing courses are required to take the Nevada state exam so you are clear to select the 8888 field to move forward.

3.  Process and submit Fingerprints according to Nevada Division of Insurance (NDOI) Requirements

4.  Submit the application through NIPR or Sircon

See additional licensing details, including nonresident information, on the NDOI website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Nevada article.

To obtain your Montana adjuster license, complete the following steps:

1.  Meet the basic Montana Adjuster Licensing Requirements
a.  Be at least 18 years old
b.  Be trustworthy and of good character and reputation
c.  Maintain an office accessible to the public in Montana with records of transactions made under the license

2.  While Montana does not require a pre-licensing course, we recommend completing AdjusterPro’s Montana Exam Prep Course to ensure passing the state exam

3.  Register for and pass the Montana State Exam
– Register online with PearsonVue

– The exam name is MT Multi-Line Adjuster

4.  Get fingerprinted through IdentiGo

5.  Submit an application through NIPR

6.  Check to see if your license has been issued at NIPR

See additional adjuster licensing details, including nonresident information, on the Montana Commissioner of Securities and Insurance website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Montana article.

To obtain your Mississippi adjuster license, complete the following steps:

1.  Meet the basic Mississippi Adjuster Licensing Requirements

• Be at least 18 years old
• Provide residence, business, and mailing addresses. Residence address must not contain a P.O. Box.

2.  Complete the required 20-hour Mississippi Pre-licensing Course through AdjusterPro

3.  Register for and pass the Mississippi State Exam
– Register online with PearsonVue

– The exam name is MS Property & Casualty incl Workers Comp Adjuster

• Our provider information is as follows: Provider Name: COR Enterprises, LLC dba AdjusterPro, Pre-Licensing Provider Number: 15019046; Pre-Licensing Course Number: 17960

4.  Submit the application through NIPR or Sircon

5.  Check to see if your license has been issued at Mississippi Insurance Department (MID) Licensing Search

See additional adjuster licensing details, including nonresident information, on the MID website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Mississippi article.

To obtain your Minnesota adjuster license, complete the following steps:

1.  Meet the basic Minnesota Adjuster Licensing Requirements

• Be at least 18 years old
• Be competent and trustworthy

2.  Prepare to pass the state exam with AdjusterPro’s Minnesota Exam Prep course

3.  Register for and pass the Minnesota State Exam

• Register online with PSI
• PSI requires people to select a school when they’re registering for the exam. Select “MN Department of Commerce (9999)”

4.  Process and submit Fingerprints at a PSI testing center

5.  Submit your application through Sircon

6.  Check to see if your license has been issued at NIPR

See additional adjuster licensing details, including non-resident information, on the MCD Licensing Education page. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Minnesota article.

To obtain your Michigan adjuster license, complete the following steps:

•  Meet the basic Michigan Adjuster Licensing Requirements
  • Be at least 18 years old
• Prepare to pass the state exam with our Michigan Adjuster Exam Prep course
• Register for and pass the Michigan adjuster state exam
  • Register online with PSI
  • The exam name is MI Independent Adjuster with Workers’ Compensation Authority
• Submit your application through NIPR

See additional licensing details, including nonresident information, on the Michigan Department of Insurance and Financial Services (DIFS) website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Michigan article.

To obtain your Maine adjuster license, complete the following steps:

1. Meet the basic Maine Adjuster Licensing Requirements

• • Be at least 18 years old

2. Prepare for the state exam. We recommend taking our Maine exam prep course. It’s 100% online and will prepare you to pass the state adjuster exam.

3. Register for and pass the Maine Adjuster State Exam

• • Register online with PearsonVue
  • The exam name is 12-ME-31 ME Property & Casualty Adjuster

4. Submit an application through NIPR

5. Check to see if your license has been issued at NIPR

See additional licensing details, including nonresident information on the Maine Professional and Financial Regulation website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Maine article.

To obtain your Louisiana adjuster license, complete the following steps:

1. Meet the basic Louisiana Adjuster Licensing Requirements

• • Be at least 18 years old
  • Be competent and trustworthy

2. While Louisiana does not require a pre-licensing course, we recommend completing AdjusterPro’s Louisiana Exam Prep Course to ensure passing the state exam

3. Register for and pass the Louisiana State Exam

• • Register online with PSI
    You may want to do your fingerprints when you take the exam — see 5. below

4. Submit application through NIPR

5. Process and submit Fingerprints according to Louisiana Department of Insurance (LDI) Fingerprints Requirements

6. Check to see if your license has been issued at LDI Search

See additional licensing details, including nonresident information on the LDI website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Louisiana article.

To obtain your Kentucky adjuster license, complete the following steps:

1. Meet the basic Kentucky Adjuster Licensing Requirements

• • Be at least 18 years old
  • Be trustworthy and of good reputation
  • Be financially responsible
  • Be competent to exercise the license
  • Have an office accessible to the public

2. While Kentucky does not require a pre-licensing course, we recommend completing AdjusterPro’s Kentucky Exam Prep Course to ensure passing the state exam

3. You must submit an application before creating an account or scheduling an exam. Submit your application through Kentucky Department of Insurance (KYDOI)

4. Register for and pass the Kentucky State Exam

• • Detailed testing information is available at KYDOI Testing Site/Schedules
  • You must submit an application before creating an account or scheduling an exam. You may schedule an examination via obtaining an eServices account after the Department processes your application. If you have never registered for secure access, please click the “create account” link.

5. When applying for a resident license you must request a criminal background check from the Administrative Office of the Courts (AOC) by submitting an electronic request via AOCFastCheck portal, which notifies you via e-mail when the results are available.

6. Check to see if your license has been issued by logging into the Kentucky Online Gateway

See additional licensing details, including nonresident information at KYDOI Information Page. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Kentucky article.

To obtain your Indiana adjuster license, complete the following steps:

1. Meet the basic Indiana Adjuster Licensing Requirements

• • Be at least 18 years old
  • Be determined to be trustworthy, reliable, and of good reputation
  • Not have committed any act that is a ground for denial, suspension or revocation of a license

2. Complete the required Indiana Adjuster Pre-licensing Course through AdjusterPro

• After completing your pre-licensing course, register to take your state adjuster exam through PearsonVue
• The exam name is Independent Adjuster

3. Submit your application through Sircon

4. Check to see if your license has been issued at Sircon

See additional licensing details, including nonresident information at Indiana Department of Insurance (IDOI) website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Indiana article.

To obtain your Idaho adjusters license, complete the following steps:

1. Meet the basic Idaho Adjuster Licensing Requirements

• • Be at least 21 years old
  • Be trustworthy, with good character, reputation, morals, integrity, and financial responsibility
  • Not have been convicted or pled guilty to a felony or a misdemeanor involving moral depravity

2. While Idaho does not require a pre-licensing course, we recommend completing AdjusterPro’s Idaho Exam Prep Course to ensure passing the state exam

3. Register for and pass the Idaho State Exam, listed as exam name series code InsID-IndAdj0007

• • Register online with PearsonVue

4. Process and submit Fingerprints.

• • Complete a CHRI Request & Release Form
  • Schedule fingerprinting through PearsonVue

5. Submit your application through NIPR or SBS

• • Make sure to include the CHRI Request & Release Form you completed for fingerprinting

6. Check to see if your license has been issued at Idaho Department of Insurance (IDOI) Professional Licensing Search

See complete adjuster licensing details, including nonresident information on the IDOI Website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Idaho article.

To obtain your Hawaii adjuster license, complete the following steps:

1. Meet the basic Hawaii Adjuster Licensing Requirements

• • Be at least 18 years old
  • If previously convicted of any felony, applicant must request the commissioner’s written consent to engage in the business of insurance

2. Prepare for the state exam with AdjusterPro’s Hawaii Exam Prep course

3. Register for and pass the Hawaii State Exam

• • Register online with PearsonVue
  • The exam name is InsHI-Adj14 HI Adjuster

4. Process and submit Fingerprints through Fieldprint. Your fingerprints will be valid for 60 days.
Enter the code HI-DCCA-INS to identify the Hawaii Department of Insurance as the recipient of your fingerprints 

5. Apply for your license at NIPR.

6. Check to see if your license has been issued at HDCCA License Search

See additional licensing details, including nonresident information on the HDCCA website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Hawaii article.

To obtain your Georgia adjuster license, complete the following steps:

1. Meet the basic Georgia adjuster licensing requirements

• • Be at least 18 years old
  • Provide a valid mailing address in the state of Georgia. P.O Boxes are not allowed.

2. Complete the required Georgia Property & Casualty Adjuster Pre-licensing Course through AdjusterPro

• • Your certificate of completion will be available in your online classroom when your course is complete.
    Our provider information is as follows: Provider Name: COR Enterprises, LLC DBA AdjusterPro and All-Lines Training; Pre-Licensing Provider Number: 223331; 40-Hour Georgia Property & Casualty Adjuster Pre-Licensing 64134

3. Register for and pass the Georgia State Exam

• • Register online with PearsonVUE
    
  • For detailed instructions on scheduling, what to expect when you take your exam, and content outlines, we recommend reviewing PearsonVue’s Georgia Insurance Licensing Candidate Handbook.
  • The exam name is 12-GA-24 Adjuster

4. Complete Citizenship Affidavit

• • New license applicants must submit a notarized Citizenship Affidavit Form (GID-276-EN) attesting to either United States citizenship or lawful presence. A copy of the required form, along with instructions for completing the form, can be downloaded from the Georgia Insurance Department’s website at https://oci.georgia.gov/citizenship-affidavit.
  • The completed and signed form and a copy of the front of one of the secure and verifiable identification documents listed on the form must be submitted with the online license application.

5. Submit your application through NIPR or  Sircon.

• • Be sure to attach your certificate of completion to the application. If you took your course with AdjusterPro, your Certificate of Completion is available in the Certificates folder in your online classroom.
  • The completed citizenship affidavit and a copy of the identification documents should be included with your application. Instructions for uploading the documents are available in the candidate handbook. Your application cannot be processed for approval until this form and attachments are uploaded with your application.

6. Process and submit Fingerprints through Fieldprint. You can find step by step instructions on the Georgia website.

7. Check to see if your license has been issued at Georgia Office of Insurance Search

See additional licensing details, including non-resident information, on the Georgia Office of Insurance website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Georgia article.

To obtain your Florida adjuster license, complete the following steps:

1. Meet the basic Florida Adjuster Licensing Requirements

• Be a natural person at least 18 years of age
• Be a resident of the State of Florida
• Be a United States citizen or legal alien who possesses a work authorization from the United States Immigration and Naturalization Services

2. Complete the required Florida Certified Designation Course with state exam through AdjusterPro

3. Submit your application through MyProfile. Make sure you understand and are applying for the correct Florida license type.

4. Process and submit Fingerprints according to instructions at Florida Department of Financial Services (FLDFS) Fingerprinting Requirements

5. If required, submit Proof of Citizenship Documentation 

6. Applicants concerned with criminal background questions can get more information on the FLCFO Criminal History page.

7. Check to see if your license has been issued by logging into MyProfile

8. FOR INDEPENDENT ADJUSTERS: Florida requires that you self-appoint your license. Once you have your license number, complete the following steps:

• Go to MyProfile and log in to your account.
• Select the “Access eAppoint” button under “Apply”. If you have never used eAppoint, you must first register and will need to select “Register to become an appointing entity”.
  Once in the eAppoint Workbench, select the required tab (New Appointment, Renew Appointment, or Terminate Appointment).
• Follow the instructions on the page.
• Pay the $60 fee.

Appointments must be renewed every 24 months during the appointee’s birth month.

See additional licensing details, including nonresident information at FLDFS Licensing Information. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Florida article.

To obtain your Delaware adjuster license, complete the following steps:

1. Meet the basic Delaware Adjuster Licensing Requirements

• • Be at least 18 years old

2. While Delaware does not require a pre-licensing course, we recommend completing an AdjusterPro Delaware Exam Prep Course for your preferred line of authority to ensure passing the state exam.

• • Property
  • Casualty
  • Motor Vehicle Adjuster

3. Register for and pass the Delaware State Exam

• • Register online with PearsonVue Delaware

4. Submit your application through NIPR

5. Submit a Delaware State and Federal Criminal History Check. Both reports should be faxed to 302-736-7906 within 90 days of obtaining fingerprints and submitting your application

6. Check to see if your license has been issued at SBS Delaware

See complete licensing details, including nonresident information on the Delaware Department of Insurance (DDOI) website and the DDOI Licensing FAQ page.

Delaware allows you to hold both an adjuster license and an auto appraiser license in order to handle both parts of an auto claim: the appraisal and the settlement. Click on the Appraiser Compliance tab above for more information.

Still need more info? Check out our blog post: How to Become an Insurance Adjuster in Delaware

To obtain your Connecticut adjuster license, complete the following steps:

1. Meet the basic Connecticut Adjuster Licensing Requirements

• Be at least 18 years old
• Be of good moral character

2. While Connecticut does not require a pre-licensing course, we recommend completing AdjusterPro’s Connecticut Exam Prep Course to ensure passing the state exam

3. Register for and pass the Connecticut State Exam. Connecticut offers a few different lines of authority, so make sure to take the correct prep course and take the coinciding exam for the license you need. (More info on the license types is available in the blog article below.)

• Register online with PearsonVUE

4. Submit your application through the Connecticut Insurance Department (CID) or NIPR

5. Check to see if your license has been issued at CID Verify and Print License

See additional licensing details, including nonresident information, on the CID website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Connecticut article.

Connecticut allows you to hold both an adjuster license and an auto appraiser license in order to handle both parts of an auto claim: the appraisal and the settlement. Click on the Appraiser Compliance tab above for more information.

To obtain your California adjuster license, complete the following steps:

1. Meet the basic California Adjuster Licensing Requirements

• Be at least 18 years old
• Have two years of certified experience in the insurance adjusting field, equal to 4,000 compensated hours

 
2. While California does not require a pre-licensing course, we highly recommend completing AdjusterPro’s California Exam Prep Course to ensure passing the state exam
 
3. Process and submit Fingerprints through Accurate Biometrics or view directions on obtaining your Fingerprints through the PSI Testing Center

• California recommends applicants complete fingerprinting prior to taking the exam. This will help ensure your license is not held up due to processing. See complete fingerprinting details on the California Department of Insurance (CDI) Fingerprinting Requirements page

 
4. Register for and pass the California State Exam

• Register for the ‘Independent Insurance Adjuster Examination’ online with PSI

 
5. Obtain and submit a $2,000 Bond of Insurance adjuster using form CDI Form 31A-14
 
6. Submit application using Sircon or Form LIC 041-A
 
7. Check to see if your license has been issued at CDI License Search
 
See additional licensing details, including nonresident information on the CDI Licensing Guide website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in California article.

To obtain your Arkansas adjuster license, complete the following steps:

1. Meet the basic Arkansas Adjuster Licensing Requirements

a. Be at least 18 years of old

2. Complete the Arkansas Adjuster Pre-licensing Course with exam through AdjusterPro
If you completed test prep with another vendor, you will need to take the state exam with PSI

3. Submit your application through NIPR

4. Email your Certificate of Completion and your NIPR transaction number to peggy.dunlap@arkansas.gov

5. Complete the Arkansas State Police Form located at end of the NIPR online application for Arkansas

6. Check to see if your license has been issued at SBS Arkansas

See additional licensing details, including nonresident information on the Arkansas Insurance Department website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Arkansas article.

To get your license by taking the Arizona exam prep course, complete the steps below. (Information on how to get your license via designation is available at Arizona Certified Adjuster Designation.)

1. Meet the basic Arizona Adjuster Licensing Requirements

• Be at least 18 years old

2. While Arizona does not require a pre-licensing course, we recommend completing AdjusterPro’s Arizona Adjuster Exam Prep Course to ensure passing the state exam

3. Register for and pass the Arizona State Exam

• Register online with Prometric Arizona
  When asked to select a pre-licensing provider from the drop-down menu, select 99999 Other (because pre-licensing is not required for this license).
• The exam name is 13-36 Insurance Claims Adjuster (property and casualty)

4. Process and submit fingerprints according to the AZ fingerprinting instructions.

5. Submit application through NIPR

• Enter the fingerprint registration number provided by Fieldprint. When entering this number into the application, add AZDPS to the beginning, and 5 zero’s to the end, so if your appointment # is 12345678 you would enter AZDPS123467800000.

6. Check to see if your license has been issued at SBS

See additional licensing details, including nonresident information, on the ADI website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Arizona article.

To obtain your Alaska adjuster license, complete the following steps:

1. Meet the basic Alaska Adjuster Licensing Requirements

• Be at least 18 years old
• Be trustworthy and competent
• Have at least 6 months experience, within the past two years, in any of the following:

• •  – Independent Adjuster
  •  – Independent Adjuster Trainee
  •  – Insurance Producer
  •  – Managing General Agent
  •  – Reinsurance Intermediary Manager or Broker
  •  – Underwriter or Claims Adjuster employee of an insurer

2. Prepare for the state exam with AdjusterPro’s Alaska Adjuster Exam Prep course

3. Register for and pass the Alaska State Exam

• Register online with PearsonVue Alaska
• The exam name is Alaska Adjuster

4. Process and submit Fingerprints through an approved fingerprint vendor

5. Submit your application through NIPR

6. Check to see if your license has been issued at SBS Alaska

See additional licensing details, including nonresident information on the State of Alaska Department of Commerce website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Alaska article.

To obtain your Alabama adjuster license, complete the following steps:

1. Meet the basic Alabama Adjuster License Requirements

• Be at least 18 years old
• Be a bona fide resident of Alabama

2. Beginning January 1, 2024, Alabama will no longer require a pre-licensing course before taking the state exam. While the state doesn’t require a pre-licensing course, we recommend completing AdjusterPro’s Alabama Adjuster Exam Prep course to ensure passing the state exam. Make sure to choose the line(s) of authority that fit your licensing needs.

• Alabama Property & Casualty, Workers’ Compensation, and Crop
• Alabama Property & Casualty
• Alabama Workers’ Compensation
• Alabama Crop

3. Register for the state exam on the AdjusterPro Alabama Exams page. Make sure to choose the same exam you took your exam prep course for.

4. After passing the exam, process and submit Fingerprints through Fieldprint.

5. Submit your application through NIPR

6. Submit Proof of Citizenship Documentation

7. Check to see if your license has been issued at SBS Alabama

See additional licensing details, including nonresident information on the Alabama Department of Insurance (ADOI) website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Alabama article.

To obtain your Oklahoma adjuster license, complete the following steps:

1. Meet the basic Oklahoma License Requirements

• • Be at least 18 years old
  • Be a bona fide resident of Oklahoma

2. While Oklahoma does not require a pre-licensing course, we recommend completing AdjusterPro’s Oklahoma Adjuster Exam Prep course to ensure passing the state exam

3. Register for and pass the Oklahoma State Exam – Please note 2023 changes

• • Register online with Prometric Oklahoma
  • The exam name is 1930 Combined – Property & Casualty Adjuster
  • On February 16, 2023, PSI will start administering insurance licensing exams for the State of Oklahoma. Candidates may contact PSI starting Wednesday, February 1, 2023, at https://test-takers.psiexams.com/okins or (833) 333-4754 to schedule their exams.

    Candidates who wish to take exams on or before February 15, 2023, will still take their exam with Prometric https://www.prometric.com/oklahoma/insurance.

4. Submit the application through NIPR

5. Check to see if your license has been issued at Oklahoma Insurance Department (OKID) Licensee Look-Up

See additional licensing details, including non-resident information, on the OKID website. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Oklahoma article.

The answer to this question depends on which state you are taking CE for, as the rule varies by state:

• The following states won’t give credit for any course taken twice in 24 months, regardless of compliance cycle:
  –AR, FL, LA, MN, NC, OK, VA, WV
• For NM, you cannot take the same course within a three-year period, regardless of compliance cycle.
• The following states allow credit only once per compliance cycle:
  –AL, AK, CA, DE, GA, ID, IN, MS, MT, NH, NV, OR, TX, UT, WA, WY