Public adjuster licensing requirements vary by state in the US. Most states require applicants to be at least 18 years old, pass a criminal background check and a written exam, and pay a licensing fee. Some states have additional requirements such as previous experience or specialized training. Licenses must be renewed periodically, and some states allow licensed appraisers from other states to obtain a license without taking an exam. Continuing education and compliance with state laws are also required.
Obtaining a public adjuster license in the United States has different requirements depending on the state. As of 2010, only six of the 50 states in the United States did not have requirements for public insurance adjusters. Public appraisers must be licensed in each state in which they choose to practice. Non-residents can obtain a license in another state only if both states allow it.
The most common requirement that all states have for anyone wanting to obtain a public adjuster license is that the applicant be at least 18 years of age. The applicant must also pass a criminal background check to help determine that he is competent, trustworthy and responsible. Candidates must take and receive a passing score on a written public adjuster exam. All states also have an application and licensing fee, which is due before receiving the license.
The public adjuster licensing exam comprises specific questions for adjusting first party claims and includes some scenario type questions. Most exams are in multiple choice format. A passing score is usually 80% or higher, although this varies by state. The test is also scheduled and held at a specified location, with proof of identification required for anyone taking the exam.
Some states have other requirements for obtaining a public adjuster license, such as a specified amount of previous experience adjusting third-party claims. Some require proof of employment or that the public valuer will be supervised by a licensed valuer with extensive experience. Still others require some kind of specialized training.
Most states have renewal periods for the public adjuster license. Many licenses expire after two years or on even years; the state usually follows up on this and sends out warnings. Some states have a grace period for those who don’t meet the deadline, while others have statutes requiring those who don’t renew their license before it expires to refer the public adjuster exam.
Some states allow a licensed appraiser from another state to obtain a license without taking the exam. These states require proof of prior passing of the home state licensing exam along with the application and license fee. Often these states do their own criminal background check before issuing the public adjuster license.
In addition to renewal requirements, many states also have regulations regarding continuing education and fees charged to clients after an applicant receives a public adjuster license. Public assessors must follow all laws set forth by the state in which they are licensed or licensing may be revoked at any time. An arrest can also be made if the license holder fails to comply with state laws for public appraisers.
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