Public Adjuster License Lookup

Alabama does not license or recognize public adjusters. Only licensed attorneys may legally represent policyholders in claim negotiations. Operating as a non-attorney public adjuster may constitute the unauthorized practice of law.

What to do: If you need help with a claim in Alabama, consult a licensed insurance attorney or contact the Alabama Department of Insurance for guidance.

Alaska does not issue public adjuster licenses. Operating as a public adjuster may constitute the unauthorized practice of law. Only licensed attorneys are generally recognized to represent policyholders in claim disputes.

What to do: If you need help with a claim in Alaska, consult a licensed insurance attorney or contact the Alaska Division of Insurance for guidance.

Arkansas prohibits public adjusters from adjusting claims in the state. Public adjuster activity is banned under Arkansas law.

What to do: Ask any PA for proof of professional association membership (NAPIA or state association), check references, and get everything in writing. You can also search the NAIC database to see if they hold licenses in other states.

Arizona requires public adjusters to hold a state license. Arizona requires a public adjuster license. Applicants must pass a state examination, submit a surety bond, and complete continuing education every two years.

California requires public adjusters to hold a state license. California requires a public insurance adjuster license (License Code 2E). Applicants must complete 20 hours of pre-licensing education, pass a state exam, and file a $20,000 surety bond. Continuing education of 24 hours per 2-year period (including 3 hours ethics) is required.

Colorado requires public adjusters to hold a state license. Colorado requires a public adjuster license. Applicants must pass a written exam, submit a surety bond, and complete 24 hours of continuing education per 2-year period.

Connecticut requires public adjusters to hold a state license. Connecticut requires a public adjuster license. Applicants must pass an exam, file a surety bond, and complete continuing education requirements.

District of Columbia requires public adjusters to hold a state license. The District of Columbia requires a public adjuster license. Applicants must pass an examination, file a surety bond, and meet continuing education requirements.

Delaware requires public adjusters to hold a state license. Delaware requires a public adjuster license. Applicants must pass a state exam and file a surety bond. Continuing education is required for renewal.

Florida requires public adjusters to hold a state license. Florida requires a 3-20 Public Adjuster license. Applicants must pass a state exam, file a $50,000 surety bond, and complete 24 hours of continuing education every 2 years (including 4 hours Law & Ethics). Florida has strict statutory restrictions including prohibitions on adjusting and repairing the same property.

Georgia requires public adjusters to hold a state license. Georgia requires a public adjuster license. Applicants must pass a state exam, submit a surety bond, and complete continuing education for renewal.

Hawaii requires public adjusters to hold a state license. Hawaii requires a public adjuster license. Applicants must pass a state examination, file a surety bond, and satisfy continuing education requirements.

Iowa requires public adjusters to hold a state license. Iowa requires a public adjuster license. Applicants must pass a state exam, file a bond, and complete continuing education.

Idaho requires public adjusters to hold a state license. Idaho requires a public adjuster license. Applicants must pass a state exam, file a surety bond, and satisfy continuing education requirements.

Illinois requires public adjusters to hold a state license. Illinois requires a public adjuster license. Applicants must pass a state examination, file a $50,000 surety bond, and meet continuing education requirements.

Indiana requires public adjusters to hold a state license. Indiana requires a public adjuster license. Applicants must pass a state exam, file a surety bond, and complete continuing education for license renewal.

Kansas requires public adjusters to hold a state license. Kansas requires a public adjuster license, but public adjusters may only be involved in commercial lines claims. Applicants must pass a state exam and file a surety bond.

Kentucky requires public adjusters to hold a state license. Kentucky requires a public adjuster license. Applicants must pass a state exam, file a $50,000 surety bond, and complete 24 hours of continuing education per 2-year period.

Louisiana requires public adjusters to hold a state license. Louisiana requires a public adjuster license. Applicants must pass a state exam, file a $50,000 surety bond, and complete continuing education. Louisiana has unique fee regulations including provisions for hourly rates.

Massachusetts requires public adjusters to hold a state license. Massachusetts requires a public adjuster license. Applicants must pass a state exam, file a surety bond, and satisfy continuing education requirements.

Maryland does not require Maryland residents to hold a state public adjuster license to operate within the state. However, Maryland residents who wish to work in other states must obtain a Designated Home State (DHS) license, typically through Florida or Texas. Nonresidents from non-licensing states may apply for a Maryland public adjuster license.

Maine requires public adjusters to hold a state license. Maine requires a public adjuster license. Applicants must pass a state exam, file a surety bond, and complete continuing education.

Michigan requires public adjusters to hold a state license. Michigan requires a public adjuster license. Applicants must pass a state exam, file a $1,000 surety bond (one of the lowest in the country), and complete continuing education.

Minnesota requires public adjusters to hold a state license. Minnesota requires a public adjuster license. Applicants must pass a state exam, file a surety bond, and complete continuing education.

Missouri requires public adjusters to hold a state license. Missouri requires a public adjuster license. Applicants must pass a state exam, file a surety bond, and complete continuing education.

Mississippi requires public adjusters to hold a state license. Mississippi requires a public adjuster license. Applicants must pass a state exam, file a $50,000 surety bond, and complete continuing education.

Montana requires public adjusters to hold a state license. Montana requires a public adjuster license. Applicants must pass a state exam, file a surety bond, and complete continuing education.

North Carolina requires public adjusters to hold a state license. North Carolina requires a public adjuster license. Applicants must pass a state exam, file a $20,000 surety bond (or irrevocable letter of credit), and complete 24 hours of CE every 2 years (including 3 hours ethics and 3 hours flood on alternating cycles).

North Dakota requires public adjusters to hold a state license. North Dakota licenses public adjusters as 'Insurance Consultants' (which includes public adjusters). Applicants must pass a state exam, file a surety bond, and complete continuing education.

Nebraska requires public adjusters to hold a state license. Nebraska requires a public adjuster license. Applicants must pass a state exam, file a surety bond, and complete continuing education.

New Hampshire requires public adjusters to hold a state license. New Hampshire requires a public adjuster license. Applicants must pass a state exam, file a surety bond, and complete continuing education.

New Jersey requires public adjusters to hold a state license. New Jersey requires a public adjuster license. Applicants must pass a state exam, file a $10,000 surety bond, and complete continuing education.

New Mexico requires public adjusters to hold a state license. New Mexico requires a public adjuster license. Applicants must pass a state exam, file a surety bond, and meet continuing education requirements.

Nevada requires public adjusters to hold a state license. Nevada requires a public adjuster license. Applicants must pass a state exam, file a surety bond, and complete 30 hours of continuing education per 2-year period.

New York requires public adjusters to hold a state license. New York requires a public adjuster license issued by the Department of Financial Services. Applicants must pass a written exam or submit proof of experience, file a $1,000 bond, and complete 40 hours of pre-licensing education. Continuing education of 15 credit hours per 2-year period is required.

Ohio requires public adjusters to hold a state license. Ohio requires a Certificate of Authority for public adjusters (rather than a standard license). Applicants must pass an exam, file a $1,000 bond, and meet continuing education requirements.

Oklahoma requires public adjusters to hold a state license. Oklahoma requires a public adjuster license. Applicants must pass a state exam, file a surety bond, and complete continuing education.

Oregon requires public adjusters to hold a state license. Oregon requires a public adjuster license. Applicants must pass a state exam, file a surety bond, and complete continuing education.

Pennsylvania does not currently license public adjusters for residents. Pennsylvania residents who wish to work in other states must obtain a Designated Home State (DHS) license through another state (commonly Florida or Texas). Nonresidents must file a $20,000 surety bond to work in Pennsylvania.

Rhode Island requires public adjusters to hold a state license. Rhode Island requires a public adjuster license. Applicants must pass a state exam, file a surety bond, and complete continuing education.

South Carolina requires public adjusters to hold a state license. South Carolina requires a public adjuster license. Applicants must pass a state examination through PSI, file a surety bond, and complete continuing education. Exam certificates expire 12 months after issuance.

South Dakota does not license public adjusters. Residents of South Dakota wishing to work in other states must obtain a Designated Home State (DHS) license through another jurisdiction.

What to do: Ask any PA for proof of professional association membership (NAPIA or state association), check references, and get everything in writing. You can also search the NAIC database to see if they hold licenses in other states.

Tennessee requires public adjusters to hold a state license. Tennessee requires a public adjuster license. Applicants must pass a state exam, file a surety bond, and complete continuing education.

Texas requires public adjusters to hold a state license. Texas requires a public insurance adjuster license under Insurance Code Chapter 4102. Applicants must pass a state exam, file a $10,000 surety bond, and complete 24 hours of continuing education per 2-year period (including 3 hours ethics). At least 50% of CE hours must be completed in certified classroom or webinar format.

Utah requires public adjusters to hold a state license. Utah requires a public adjuster license. Applicants must pass a state exam, file a surety bond, and complete continuing education.

Virginia requires public adjusters to hold a state license. Virginia requires a public adjuster license. Applicants must pass a state exam, certify and maintain a $50,000 surety bond in favor of the Commonwealth, and complete 24 hours of CE per 2-year period (including 3 hours ethics).

Vermont requires public adjusters to hold a state license. Vermont requires a public adjuster license. Applicants must pass a state exam, file a surety bond, and complete continuing education.

Washington requires public adjusters to hold a state license. Washington requires a public adjuster license. Applicants must pass a state exam, file a surety bond, and complete continuing education.

Wisconsin requires public adjusters to hold a state license. Wisconsin requires public adjuster licensure. For resident applicants, a state exam is required. Nonresident applicants must be licensed in their home state and registered in Wisconsin prior to adjusting claims here. Nonresidents from non-licensing states (e.g., Pennsylvania) must pass the Wisconsin public adjuster exam. A $20,000 surety bond is required.

West Virginia requires public adjusters to hold a state license. West Virginia requires a public adjuster license. Applicants must pass a state exam, file a surety bond, and complete continuing education.

Wyoming requires public adjusters to hold a state license. Wyoming licenses public adjusters as 'Insurance Consultants' (which includes public adjusters). Applicants must pass a state exam, file a surety bond, and complete continuing education.