Idaho requires all Residents and Non-Residents who wish to operate as an Independent Adjuster in Idaho be licensed. An Independent Adjuster is a person who, on behalf of the insurer, investigates and negotiates settlement of claims arising under insurance contracts.
Idaho Code
Idaho Statutes: Chapter 11:
§41-1102 (Definitions)
§41-1103 (License Required)
§41-1104 (Qualifications for Adjuster’s License)
§41-1105 (Application for License)
§41-1106 (Scope of License)
§41-1107 (Emergency Adjusters)
§41-1108 (Other Provisions Applicable)
Chapter 10:
§41-1007 (1) (Licensing Requirements)
§41-1008 (Reinstatements, Military, 30 Day Address Change Requirement)
§41-1009 (State to State Address Change and Reciprocity)
§41-1011 (Refusal of License)
§41-1012 (Exemption from Exam and 90-day rule)
§41-1013 (Renewal/Reinstatement and late CE penalty requirements)
§41-1014 (Assumed Names)
§41-1016 (Administrative Penalty/Suspension, Revocation, Refusal of License)
§41-1020 (Reciprocity)
§41-1021 (Reporting of Actions)
§41-1026 (Conditions of Suspension and Revocation)
Title 30:
§30-21-801 through §30-21-810 (Use of a DBA/Assumed Business Name)
Rules:
18.06.04 Continuing Education
Definitions
Adjuster: A person who, on behalf of the insurer, for compensation as an independent contractor or as the employee of such an independent contractor, or for fee or commission, investigates and negotiates settlement of claims arising under insurance contracts.
Independent Adjuster: An “adjuster” is a person who, on behalf of the insurer, for compensation as an independent contractor or as the employee of such an independent contractor, or for fee or commission, investigates and negotiates settlement of claims arising under insurance contracts.
For a full list of insurance licensing terms please click here.
How to Apply
- Resident Application Requirements
- Non-Resident Application Requirements
- Designated Home State Requirements
Resident Application Requirements
Click here to download detailed instructions.
Step 1: Pass the Independent Adjuster Exam. For information on testing click here.
Step 2: Have your fingerprints taken. For more information on fingerprints click here.
Step 3: Apply online via NIPR. There is a Non-Refundable Fee of $80.
Step 4: Send the following to: agent@doi.idaho.gov or upload them to the Document Warehouse.
- Copy of Pass Slip(s)s from Exam(s)
- A copy of the fingerprint receipt from Pearson Vue
- CHRI Request and Release form
Non-Resident Application Requirements
Click here to download detailed instructions.
Non-residents do not need to send test scores or fingerprint. The PDB will be checked to verify license qualification in the licensee’s home state.
Step One: Have an Independent Adjuster license with your home state or designated home state.
Step Two: Apply online via NIPR. There is a Non-Refundable Fee of $80.
Idaho allow DHS Adjusters to designate Idaho as their “home state” for licensing purposes if the state in which they reside does not license adjusters. DHS-Idaho Independent Adjusters are treated as residents and must meet resident requirements for their initial adjuster license and complete resident continuing education requirements.
Designated Home State (DHS) Application Requirements
Click here to download detailed instructions.
Step 1: Pass the Independent Adjuster Exam. For information on testing click here.
Step 2: Have your fingerprints taken. Fingerprints must be taken on the FBI applicant cards (FD-258) by a qualified law enforcement agency (police or sheriff’s office) or other entity that provides fingerprinting services. For instructions on submitting your fingerprints please see the last page of the CHRI Request and Release form. Do not send the fingerprint card to the Department of Insurance
Step 3: Apply online via NIPR. There is a Non-Refundable Fee of $80.
Step 4: Send the following to: agent@doi.idaho.gov.
- Copy of Pass Slip(s)s from Exam(s)
- CHRI Request and Release form
- A copy of the fingerprint receipt from Pearson Vue
Continuing Education (CE)
Resident producers must complete 24 hours of Continuing Education, with a minimum of 3 hours in ethics. These hours are due at the time of renewal.
The DOI STRONGLY recommends residents have their CE completed 30 days or more prior to your expiration date. A renewal cannot be applied for until all required CE has been complete and posted.
For a list of Continuing Education courses please see our Course Catalog .
Requirements
- 24 hours of CE total.
- A minimum of three credits must be in ethics.
- No credit is given for duplicate courses.
- CE providers have 30 days from course completion to upload CE credits. Renewals cannot be submitted until the credits are uploaded.
The licensee may complete and submit the continuing education requirements late, however the license will not be active after the expiration of the license.
There are additional penalties for completing CE late.
The completion date of any course will determine which non-refundable penalty will apply.
- $100.00 if CE is completed within 30 days of the expiration of the license.
- $200.00 if CE is completed between 31 and 60 days of the expiration of the license.
- $300.00 if CE is completed between 61 and 90 days of the expiration of the license.
- $80.00 if the CE has is completed between 90 and 365 days of the expiration of the license. The producer must retest in addition to completing the CE requirement.
Exemptions for Continuing Education:
- Business Entities
- Non-resident Adjusters
CE does not populate to your record, or to our online renewal system instantaneously. Please see the below for the usual timeline.
-From the day you complete your CE course the CE provider has 30 days to upload the credits per Idaho statute. If you would like them to upload the credits ASAP you will need to contact the CE provider.
-Once the credit is entered into our system it is sent in a batch report over night to the PDB.
-After the report is submitted it can take the PDB 1-5 business days to reflect the completion. Once it is reflected in the PDB you can apply for renewal on NIPR.
If you completed your CE over 30 days ago, or it has been more than five days since it was uploaded by the provider, and you are within the renewal window, but are still unable to renew on the online system please reach out to the Department of Insurance.
Renewal Information
The DOI STRONGLY recommends residents have their CE completed 30 days or more prior to your expiration date. You cannot apply for a renewal until CE is complete and posted. We also recommend applying for renewal at least a week in advance in case of system issues.
The Department considers the renewal of the license to be the responsibility of the licensee.
Adjuster licenses need to be renewed every two years. A renewal may be applied for up to 90 days prior to the expiration of your license.
Late renewals, previously referred to as reinstatements, are available up to one year past the expiration of the license via NIPR.
If more than one year has passed since the expiration of a license it can no longer be re-instated. After one year a new license will need to be applied for, including fingerprinting and testing.
Resident or Idaho DHS License Renewal
Step 1. Have your CE complete and posted to the PDB.
Step 2: Apply for a renewal via NIPR. There is a non-refundable renewal fee of $60 (plus vendor processing fee) if renewing electronically prior to expiration date.
Non-Resident License Renewal
Step 1: Hold resident license or DHS license in another state.
Step 2: Apply for a renewal via NIPR. There is a non-refundable renewal fee of $60 (plus vendor processing fee) if renewing electronically prior to expiration date.
Resident and DHS Late Renewal
Step 1. Have your CE complete and posted to the PDB.
Step 2: Apply for a renewal via NIPR. The late renewal fee varies depending on the CE completion date.
- If all CE was completed prior to expiration, or no CE was required the non-refundable fee is $120.
- If CE was completed within 30 days after the expiration of the license the non-refundable fee is $220.00
- If CE was completed within 60 days after the expiration of the license the non-refundable fee is $320.00
- If CE was completed within 90 days after the expiration of the license the non-refundable fee is $420.00
Non-Resident Late Renewal
Step 1: Hold resident license or DHS license in another state.
Step 2: Apply for a renewal via NIPR. There is a non-refundable renewal fee of $120(plus vendor processing fee) if renewing electronically prior to expiration date.
Reporting of Actions
Producers and agencies have a duty to report any criminal or administrative actions to the Idaho Department of Insurance within 30 days per §41-1021.
Producers are encouraged to use the NIPR Reporting of Actions Warehouse at www.nipr.com as a convenient means to post documents and explanations related to reportable actions.
While the Department encourage the use of the NIPR Reporting of Actions Warehouse for documents, actions still need to be reported to the Department directly, either by e-mail or the applicable background question on new license applications and/or renewals.
Resources
Links
The Certified Idaho Specialist Course (CIWCS)
Check Your Continuing Education Transcripts
Printable Forms
Application Form, Independent Adjuster
Continuing Education, Resident Flyer
How to Apply for a Non-Resident Independent Adjuster License
How to Apply for a Resident Independent Adjuster License
Update Address Form, State to State
FAQ
How do I get a copy of my license?
You can get a free PDF copy of your license by clicking here.
What are the possible exams available for Independent Adjusters?
Idaho offers a General Lines Adjuster exam called ID Independent Adjuster. For more information on testing click here.
Are Staff Adjusters required to be licensed in Idaho?
No, salaried employees of an insuring company are not required to be licensed in Idaho.
Do Independent Adjuster Agencies require a DRLP on their application?
No
Are company registrations/appointments required for adjusters?
No
How does an Idaho Designated Home State license differ from an Independent Adjuster license?
Idaho allows DHS adjusters to designate Idaho as their “home state” for licensing purposes. DHS-Idaho Independent Adjusters are treated as residents and must meet resident requirements for their initial adjuster license and complete resident continuing education requirements. It is no different from a Resident Independent Adjuster license except that the licensee does not reside in Idaho and must apply with the paper application.
Are Resident Independent Adjusters and DHS-Idaho Independent Adjusters required to complete Continuing Education to maintain their license?
Yes, click here for details.
What is the Pearson VUE pre-licensing candidate handbook and why do I need it?
This booklet is prepared and provided by our exam vendor, Pearson VUE, to guide you through the testing procedures and requirements. If provides important information and phone numbers and can answer many questions you may have regarding how to arrange for your exams and fingerprints, and what to expect at the testing site. It can be found on our website on the Resident Study/Testing material and Exam/Fingerprinting information page.
How do I apply for an Independent Adjuster’s license?
Click here for information on applying for a license.
How long does it take for an application to be processed?
There are many factors that go into the processing time of an application. The department can typically process a non-resident, individual license application within 1-2 business days of receiving all documentation.
Many factors can increase the processing time, including but not limited to:
- Fingerprints: Processing time does not include the time waiting for fingerprints. Your application is not considered complete until the fingerprints are processed and returned to the DOI. For more information on fingerprinting click here.
- Background Issues: If you have a criminal offense that needs reviewed your application will be on hold while it is reviewed. You can speed up this process by ensuring that all needed documents are submitted with your application or are already uploaded to the NIPR Document warehouse. For more information on Criminal Offenses and licensing click here.
- Applying by paper instead of online: While there are licenses that must apply via paper most can be applied for online. Applying by paper can add upwards of 4-7 days, not including shipping time, to the turnaround time.
- Inaccurate information: Make sure that everything is correct and complete on your application before submitting.
- Missing Items: Ensure that you have everything on your Application Checklist completed and ready to submit together with the application. Ensuring that all documents are submitted together will help speed the process.
How long is my license good for?
Your license will expire after two years if you do not apply for and are granted a renewal. Licenses expire on the last day of your birth month.
How do I renew my license?
Click here for information on renewing your license.
When can I apply to renew my license?
You can apply for renewal up to 90 days before the expiration date. We recommend that you have your CE complete before applying for renewal. licenses DO NOT automatically renew when CE is completed.
There is no grace period for license renewal.
Can I submit a late renewal for my license?
Yes. Click here for information on renewing your license late.
How long do I have to submit a late renewal?
You have 1 year from the license’ expiration date to submit a late renewal. After that period of time, you will need to apply for a new license. Click here for more information.
How long do I have to get my Continuing Education (CE) done?
You can do your CE at any time, however we do recommend that you have it complete at least 30 days BEFORE your license renewal is due. There is no grace period for CE compliance. If CE is not completed by the renewal date a late CE penalty will need to be paid before the license can be re-instated.
Can I only take CE courses in the adjuster course category in the catalog?
No, you can take all courses in our CE course catalog. Click here for more information on CE and adjuster licenses.
Can I take the same CE course more than once?
You cannot repeat a course within the same renewal period. Courses may be re-taken in separate renewal periods. Click here for more information on CE and adjuster licenses.
I’ve completed my CE but still can’t renew.
CE does not populate to your record, or to our online renewal system instantaneously. Please see the timetable below for a break down
-From the day you complete your CE course the CE provider has 30 days to upload the credits per Idaho statute. If you would like them to upload the credits ASAP. you will need to contact the CE provider.
-Once the credit is entered into our system it is sent in a batch report over night to the PDB.
-After the report is submitted it can take the PDB 1-5 business days to reflect the completion. Once it is reflected in the PDB you can apply for a renewal on NIPR.
If you completed your CE over 30 days ago, or it has been more than five days since it was uploaded to our system, and you are within the renewal window, but are still unable to renew on the online system please reach out to the Department of Insurance.
How do I change the name on my license?
In order to change the name on your license you will need to submit the Name Change Form along with proof of legal name change, to the Department. Examples of accepted forms are Marriage Certificates, Divorce decree (showing a court ordered name change), Driver’s License, Passport or Legal Order. DO NOT SEND YOUR SOCIAL SEUCIRTY CARD.
How do change my contact information? (address, phone number, email address)?
You may now make updates to any of your contact information by using the Update Contact Information via NIPR. Once updated, allow 24 hours for the updated information to appear on our website. Internet Explorer and Edge web browsers may not be compatible with these web sites. If you are having trouble using their functionality, please try a different web browser.
How do DBA’s work in relation to my license?
Please visit our Doing Business As page for information on DBA’s.
How long does it take for the website to reflect changes made by the Department of Insurance?
Any changes to your record are usually reflected within 24-48 hours of the change.
How do I surrender/cancel my license?
There is no negative consequence or penalty in Idaho for allowing your license to lapse for failure to renew. However, if you want to voluntarily surrender your license, you may submit the appropriate Voluntary Surrender Request form. The form can be found on the Departments Forms and Links page.
Have more questions?
Contact the Licensing Team