Public Adjuster License Requirements in Maryland
LimitedEverything you need to know about public adjuster licensing in Maryland — requirements, how to verify a license, applicable fee caps, and what to do if you encounter an unlicensed operator.
Public adjuster licensing is limited in Maryland
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.
Verify a License
Always verify a public adjuster's license before signing any contract. Use the tools below to check license status in Maryland.
How to verify — step by step:
- 1 Visit the NAIC SBS lookup tool or your state's DOI licensing portal using the links above.
- 2 Enter the adjuster's name or license number as it appears on their business card or contract.
- 3 Confirm that the license type is listed as "Public Adjuster" — not a different license class.
- 4 Verify the license status is "Active" — not expired, inactive, suspended, or revoked.
- 5 Look for any disciplinary actions, regulatory orders, or enforcement history associated with the license.
Governing Statutes
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Md. Code, Ins. § 10-409
Public adjuster licensing provisions for nonresidents from non-licensing states
What To Do If You Suspect an Unlicensed Adjuster
If someone is representing themselves as a public adjuster in Maryland without a valid license, contact the Maryland Insurance Administration immediately.
Regulatory Authority
Maryland Insurance Administration →Complaint Hotline
800-492-6116Fraud Hotline
800-492-6116File a Complaint Online
File Complaint →Also report it here: Submit a report on PublicAdjusterHQ so we can help direct you to the right authority and track patterns of unlicensed activity in Maryland.