Public Adjuster License Requirements in New York
LicensedEverything you need to know about public adjuster licensing in New York — requirements, how to verify a license, applicable fee caps, and what to do if you encounter an unlicensed operator.
Public adjusters are licensed and regulated in New York
New York requires public adjusters to obtain a state license before representing policyholders in insurance claims. Always verify a license before signing any contract.
Licensing Requirements
- Licensing Authority
- New York Department of Financial Services →
- Exam Required
- Yes
- Surety Bond Required
- $1,000
- Continuing Education
- 15 hours every 2 years
- Nonresident Registration
- Required before adjusting claims in New York
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.
Verify a License
Always verify a public adjuster's license before signing any contract. Use the tools below to check license status in New York.
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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N.Y. Ins. Law § 2108
Public adjuster license requirements, bond, and fee cap (12.5%)
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N.Y. Ins. Law § 2601
Unfair claim settlement practices
What To Do If You Suspect an Unlicensed Adjuster
If someone is representing themselves as a public adjuster in New York without a valid license, contact the New York Department of Financial Services immediately.
Regulatory Authority
New York Department of Financial Services →Complaint Hotline
800-342-3736Fraud Hotline
888-373-2872File 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 New York.