Independent Adjuster Requirements

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An "independent adjuster" is a person who, for compensation as an independent contractor or as an employee of an independent contractor, undertakes on behalf of an insurer to ascertain and determine the amount of any claim, loss, or damage payable under a contract of property, casualty, or workers' compensation insurance or to effect settlement of such claim, loss, or damage. Ala. Code § 27-9A-3.

EXEMPTIONS ~ THOSE WHO DO NOT REQUIRE AN INDEPENDENT ADJUSTER LICENSE Independent Adjuster Exclusions

Qualifications to be licensed

Individuals must be

  • 18 years of age or more.
  • Alabama Residents or those using Alabama as a Designated Home State License (see listing below). These individuals must complete both the Alabama Prelicensing Course and State Exam.
    • Prelicensing: https://www.aldoi.gov/Licensing/ProviderList.aspx

      Effective 1-1-2015:
      Any non-resident individual choosing Alabama as their Designated Home State for the Independent Adjuster license must take the appropriate prelicensing course and pass the appropriate Alabama Adjuster exam and complete the fingerprinting requirements.



      These states do NOT license Independent Adjusters

      CO, DC, IA, IL, KS, MA, MD, MO, ND, NE, NJ, OH, PA, SD, TN, VA, and WI

      NOTE: Cannot use AL as a designated home state unless applicant is from a nonlicensing state and has passed AL exam.

      PLEASE NOTE: Effective 9-8-2014:
      Residents from California, Hawaii and New York applying for a Non-Resident Independent Adjuster license must take the appropriate prelicensing course and pass the Alabama exam based upon their respective states requiring our residents to take an exam under NAIC Reciprocity.

    • State Exam: https://www.aldoi.gov/Licensing/ExamSites.aspx
      Adjuster Lines of Authority for which a 20 or 40 Hour Exam must be taken.
      • Property and Casualty, including Workers’ Compensation and Crop (40 Hour)
      • Property and Casualty, excluding Workers’ Compensation and Crop (20 Hour)
      • Workers’ Compensation (20 Hour)
      • Crop (20 Hour)
    • *Once exam has been passed, Please allow 3-5 Business Days before applying for your Independent Adjuster License*
    • Applicant must apply online through NIPR. Click Here
      For list of licensing fees click here.
    • For individuals who meet the Military Family Jobs Opportunity under Regulation 165, please click here for further information.
FINGERPRINT REQUIREMENT

Effective April 1, 2015, all individual resident applicants seeking to become licensed as Adjusters, or who are adding a new line of authority to an existing Adjuster license, must have completed a Fingerprint background check. You should seek to get fingerprinted after passing the state exam and one day before applying for the license.

Please be aware the fingerprint results will remain in our system only 30 days after you are fingerprinted. If the application reaches the DOI after those 30 days you will have to get fingerprinted again and again pay the required fee. **Note: The Department can only utilize fingerprints processed through Gemalto. We also cannot accept fingerprints completed for any reason outside of pursuing an insurance license from the Alabama Department of Insurance. The fingerprints will be utilized to conduct a federal and state criminal background check per Producer fingerprint requirements: Ala. Code § 27-7-4.4, Adjuster fingerprint requirements: Ala. Code § 27-9A-17 and Title agent fingerprint requirements: Ala. Code § 27-25-4.6. Being possessed of sound mind and legally competent to complete this request, the applicant authorizes the Alabama Department of Insurance, to obtain any and all criminal history information on said applicant from the ALEA and/or FBI. Applicant may challenge or appeal any portion of his/her own Criminal History Record Information (CHRI) that he/she believes to be incomplete or inaccurate by contacting the Records & Identification Division within ALEA 334-353-4340.
Follow instructions on this link: https://www.aps.gemalto.com

PROOF OF CITIZENSHIP REQUIREMENT

In accordance with the Beason-Hammon Taxpayer and Citizen Protection Act, Alabama is now required to verify the citizenship of ALL APPLICANTS. Please submit proof of citizenship using the link below. There are sixteen different identifiers, including your official driver’s license, any one of which can be used as proof. Your license will not be issued until this documentation is received. If information is not received within 10 days your application will be rejected. Please note: Fees paid are non-refundable.
Submit Proof of Citizenship

Individual adjusters renew their license biennially based on their BIRTH MONTH whether the individual was born in an EVEN or ODD year.

MORE DETAIL

Example: if an adjuster was born JANUARY 1991 (ODD year) and applied in an even year (i.e. February 2018), he/she will renew the license the next ODD year of January 2019 (as that is an ODD YEAR and he/she was born in January of an ODD YEAR). The next adjuster renewal cycle for that individual will then take place in January 2021 (the next ODD year and every renewal cycle thereafter will be two (2) years). On the other hand, if the applicant was born JANUARY 1990 (EVEN year) and applied in an even year (i.e. February 2018), the renewal will be the next EVEN year based on birth month/year.

An e-mail notice will be sent by the Alabama Department of Insurance to all adjusters approximately 90 days prior to their birth month where they will then be allowed to renew online. For listing of renewal fees click here.

Residents:
MUST HAVE CE COMPLETED TO RENEW LICENSE. BEGINNING APRIL 1, 2015, IF NO CE IS SHOWN IN THE CE TRANSCRIPT FOR THE INDIVIDUAL SEEKING TO GET RENEWED, THE ONLINE RENEWAL APPLICATION WILL BE REJECTED.

Beginning January 2014 continuing education is required for the independent adjuster license renewal as per the new Adjuster law (Act 2011-637 that went into effect January 1, 2012.) Independent Adjusters and Alabama DHS will be required to complete 24 CE hours of which 3 should be in ethics.

Beginning January 1, 2013, excess credit hours earned in the previous biennial renewal period cannot be carried over to the next reporting period. Any excess is lost.

NON-RESIDENT ADJUSTERS WHO HAVE MET CE COMPLIANCE REQUIREMENTS IN THEIR RESIDENT STATE OR DESIGNATED HOME STATE’S CE REQUIREMENT ARE EXEMPT HERE.

TOTAL INITIAL LICENSE FEE - $110.00
Biennial License Renewal Fee - $80.00
Biennial License Late Renewal Fee - $120.00
Reinstatement Fee - $160.00


ADDITIONAL LICENSING LINKS
CONTACT INFO

Adjuster Licensing

Licensing Contact Hours
Monday - Friday 8:00am - 5:00pm
Producerlicensing@insurance.alabama.gov
Please Chat with Us if you have any questions.