Adjuster Licensing

Compliance and proper licensing are one of the most important aspects of becoming an adjuster. Without a license for the states that require one, you can not handle claims in those states. Not every state requires a license but the state with the most active weather will require a license. Occasionally if is major catastrophe occurs a state may offer emergency licenses. But there are a lot of restrictions on emergency licenses and adjusters who already have the license will deploy first on assignments to those areas. Below is a map of the states requiring licenses, the dark grey states are licensing states.

Once you have obtained your home state license you will be eligible to purchase reciprocal licenses in other states. As an independent adjuster, the more states you can handle claims in the more desirable you are to IA firms looking to hire you. In general, there will always be weather events occurring in different states and most of the time it will not be your home state. for the best opportunity to secure continuous work as an independent adjuster, we suggest the following licenses for specific weather events.


  • Florida
  • Texas
  • South Carolina
  • North Carolina
  • Georgia
  • Alabama
  • Louisana
  • Mississippi


  • Colorado
  • Texas
  • Minnesota
  • Oklahoma
  • Arkansas
  • Illinois
  • Kansas
  • Wyoming
  • Missouri
  • Nebraska
  • Iowa

In Demand Licensing:

  • New York
  • Hawaii
  • Michigan
  • Deleware
  • Arizona
  • New Mexico


Independent Adjuster State License Casualty Line Selection

When purchasing a reciprocal state license in another state be sure you select the proper casualty lines to be a property adjuster or you may end up repurchasing the license again if you make the wrong selection. The guide below will help you when selecting a license to purchase on NIPR or SIRCON.

wdt_ID State License Classification Line(s) to Choose:
1 Alabama Independent Adjuster Property, Casualty including Workers Comp & Crop
2 Alaska Independent Adjuster Property & Casualty
3 Arizona Insurance Professional Adjuster You do not choose lines.
4 Arkansas Adjuster Property & Casualty
5 Connecticut Property & Casualty Claims Adjuster Property & Casualty
6 Delaware Adjuster Property & Casualty
7 Florida Adjuster All Lines
8 Georgia Adjuster Property & Casualty
9 Hawaii Independent Adjuster You do not choose lines.
10 Idaho Independent Adjuster No Lines of Authority (LOA)
11 Indiana Independent Adjuster Property & Casualty
12 Kentucky Independent Adjuster Property & Casualty
13 Louisiana Claims Adjuster Comprehensive
14 Maine Adjuster Limited-Home State
15 Michigan Insurance Adjuster Fire & Other Hazards
16 Minnesota Independent Adjuster Property & Casualty
17 Mississippi Independent Adjuster You do not choose lines.
18 Montana Adjuster No Lines of Authority (LOA)
19 Nevada Independent Adjuster Property & Casualty
20 New Hamphire Adjuster Property & Casualty
21 New Mexico Independent Adjuster You do not choose lines.
22 New York Independent Adjuster Fire or General
23 North Carolina Self-Employed Insurance Adjuster No Lines of Authority (LOA)
24 Oklahoma Adjuster Property & Casualty
25 Oregon Adjuster General Lines
26 Rhode Island Independent Adjuster Property & Casualty
27 South Carolina Adjuster Property & Casualty
28 Texas Adjuster All Lines (or based on exam taken)
29 Utah Independent Adjuster Property & Casualty
30 Vermont Adjuster Property & Casualty
31 Washington Independent Adjuster You do not choose lines.
32 West Virginia Company Adjuster None
33 Wyoming Adjuster Property & Casualty
State License Classification Line(s) to Choose:


The best website to obtain reciprocal licenses and renew expiring ones –

The best platform to manage multiple licenses –

National Association of Insurance Commissioners (Lookup & Print Licenses) –

NY License Lookup –

Print your New York License –

Print North Carolina License –

Michigan Licensing –,5269,7-303-22535_60490_23030—,00.html

Michigan License Renewal –

Print your Connecticut License –

Renewing your New Mexico License –

Surety Bonds –

NPN Lookup –

Washington State Licensing –