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Adjuster Requirements

Definition

An "adjuster" is an individual or firm (corporation, partnership, or other business entity), who for compensation as an independent contractor, or as the employee of an independent contractor or for fee or commission, investigates and negotiates settlement of claims arising under insurance contracts on behalf of the insurer.

Exemptions

  • A licensed attorney who is qualified to practice law in the state of Alabama.
  • A salaried employee of an insurer.

Qualifications

Firms and individuals may become licensed adjusters.
Individuals must:
  • Be 19 years of age or more.
  • Be a full-time salaried employee of a licensed adjuster or a graduate of a recognized law school or must have experience or special education or training in the handling of loss claims under insurance contracts of sufficient duration and reasonable extent to make him or her competent to fulfill the responsibilities of an adjuster.
  • Be trustworthy and of good character.
  • Have and maintain in this state an office accessible to the public and keep therein the usual and customary records pertaining to transactions under the license. ( Section 27-9-8, Code of Alabama, 1975)
NOTE: Non-resident individuals and non-Alabama firms must permit Alabama resident adjusters and Alabama firms to act as adjusters in their home state.

Initial Licensing Process

  • Application Form AL-90 must be completed and accompanied with a fee of $100.00 (an application fee of $20.00 and a license fee of $80.00).
  • Once the application has been approved and fees paid, the individual is licensed. NOTE: No examination is required.
  • Application and $100.00 fee should be mailed to:
    Alabama Department of Insurance
    P O Box 830704
    Birmingham, AL 35283-0704
    Please make checks payable to Commissioner of Insurance, State of Alabama.

Adjuster Renewal Process Beginning 2007

Adjuster licenses are continuous subject to payment of a $80.00 annual renewal fee. Currently, no continuing education is required for license renewal. Renewed adjusters can be verified on our web site at www.aldoi.gov. Renewal licenses can be printed (after 7 to 10 days) from the website, www.aldoi.gov , click on Online Services and then click Print Your License.
FOR LICENSES PREVIOUSLY RENEWED OR NEWLY ISSUED BEFORE OCTOBER 1:
  • On or about October 1 of each year, a renewal form is sent to all adjusters subject to renewal.
  • Renewal form and $80.00 renewal fee are due by December 31.
  • If renewal form and fee are not received by December 31, a late fee of $20.00 will also be due, for a TOTAL AMOUNT DUE of $100.00. 
  • Adjuster licenses will expire effective December 31 if TOTAL AMOUNT DUE is not received by February 15 .
  • If your license expires, you must submit a new Form AL-90 (Application for Adjuster's License) with applicable fee.
FOR LICENSES NEWLY ISSUED BETWEEN OCTOBER 1 AND DECEMBER 31:
  • On or about January 2 of each year, a supplemental renewal form is sent to all adjusters subject to renewal.
  • Renewal form and $80.00 renewal fee must be received by February 15.
  • Adjuster licenses will expire effective December 31 if fees are not received by February 15.
  • If your license expires, you must submit a new Form AL-90 (Application for Adjuster's License) with applicable fee.

Fees

Application Fee - $20.00
License Fee - $80.00
TOTAL INITIAL FEE - $100.00
Biennial License Renewal Fee - $80.00
July 04, 2008
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