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Non-Resident Adjuster Licensing

Non-Resident Independent Adjuster Licensing Requirements and Fees

IC 27-1-28 - Independent Adjuster Licensing

An Independent Adjuster works on a contract basis for an insurance carrier doing direct adjudications of claims. Indiana does not require licensure for staff adjusters. An Independent Adjuster license is effective for two (2) years, expiring on the last day of the agent's birth month, unless probated, suspended, revoked, or refused.

Non-resident Independent Adjusters can be licensed in Indiana provided:

  1. The individual is currently licensed in good standing as an Independent Adjuster in the individual's home state or Designated Home State (DHS);
  2. The individual has submitted the proper application for licensure and the non-resident application fee of ninety dollars ($90), unless a retaliatory fee applies; and
  3. The individual's home state or DHS awards non-resident Independent Adjuster licenses to residents of Indiana on the same basis. Non-Reciprocal States: CA, HI and NY - see additional requirements highlighted below.

California, Hawaii and New York residents must complete an approved Indiana Independent Adjuster pre-licensing education course and the Indiana Independent Adjuster exam. Pre-licensing education courses may be viewed online here. Exam details and scheduling are available here. Note: Individuals holding an active Uniform Claims Certification (UCC) are exempt from Indiana pre-licensing education and exam requirements. A copy of an individual's UCC certificate must be attached with the license application in order to receive the waiver.

Indiana will verify an Independent Adjuster's licensure status in another state through an appropriate data base, including the insurance producer data base maintained by the NAIC or an affiliate or a subsidiary of the NAIC.

To maintain a valid non-resident Independent Adjuster license, the Independent Adjuster must maintain a valid resident Independent Adjuster license in the Independent Adjuster's home state or Designated Home State (DHS), and the Independent Adjuster's home state or DHS must award non-resident Independent Adjuster licenses to residents of Indiana on the same basis.

If an Independent Adjuster's home state or DHS license terminates due to the issuance of a new resident Independent Adjuster license in a new home state or DHS, the Independent Adjuster shall, not more than thirty (30) days after the Independent Adjuster's home state or DHS license termination date, provide notice of the termination to the Commissioner. The notice must specify the Independent Adjuster's previous home state address and new home state address.

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Non-Resident Public Adjuster Licensing Requirements and Fees

IC 27-1-27 - Public Adjusters

A Public Adjuster renders advice or assistance to the insured in the adjustment of a claim or claims for loss or damages under any policy of insurance covering real or personal property and any person or corporation who, or which, advertises, solicits business, or holds itself out to the public as an adjuster of such claims. A Public Adjuster license is effective until the 31st of December (unless applied for in the months of October-December), unless probated, suspended, revoked, or refused.

Non-resident Public Adjusters can be licensed in Indiana provided:

  1. The individual is currently licensed in good standing as an Public Adjuster in the individual's home state;
  2. The individual has submitted the proper application for licensure and the non-resident application fee of $50 (unless a retaliatory fee applies); and
  3. Proof of $10,000 surety bond for the state of Indiana not more than six (6) months old.

Indiana will verify a Public Adjuster's licensure status in another state through an appropriate data base, including the insurance producer data base maintained by the NAIC or an affiliate or a subsidiary of the NAIC.

Public Adjuster licenses are issued for one (1) year, expiring on December 31st of each year. License applications that are received on October 1st or after will be issued with expiration dates of December 31st of the following year. License applications received before October 1st will be issued with expiration dates of December 31st of the current year.

To maintain a valid non-resident Public Adjuster license, the Public Adjuster must maintain a valid resident Public Adjuster license in the Public Adjuster's home state, and the Public Adjuster's home state must award non-resident Public Adjuster licenses to residents of Indiana on the same basis.

If a Public Adjuster's home state license terminates due to the issuance of a new resident Public Adjuster license in a new home state, the Public Adjuster shall, not more than thirty (30) days after the Public Adjuster's home state license termination date, provide notice of the termination to the Commissioner. The notice must specify the Public Adjuster's previous home state address and new home state address.

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