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Adjuster, Independent

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:

IDAPA Rule 18

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

All resident licensing requirements must be met for the application to be considered valid.

For a step-by-step guide to applying online check out our guides.

Resident Application Process

Step 1: Pass the Independent Adjuster Exam. For information on testing and fingerprints click here.

Step 2: Have your fingerprints taken.

Step 3: Apply online via NIPR (Individual Agency) or Sircon (Individual   Agency). There is a Non-Refundable Fee of $80.

Step 4: Send the following to: agent@doi.idaho.gov

Non-Resident Application Process

Non-residents do not need to send test scores or fingerprints.  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 (Individual   Agency) or Sircon (Individual   Agency). There is a Non-Refundable Fee: $80 (business or individual)

Emergency Adjuster

An Emergency Adjuster license can be issued if a company brings in an adjuster to handle investigation or adjusting claims in exceptional circumstances, such as a catastrophe.

Licensee’s residing in a state that does not offer Adjuster licenses can apply for a Designated Home State – Idaho license through Sircon.

Continuing Education (CE)

Resident Independent Adjusters and DHS-Idaho Adjusters are required to complete 24 hours of Department approved Continuing Education(CE) credits during each license period.

CE status can be tracked by clicking on Individual CE Transcript Inquiry .

Approved courses can be found on the CE Course Catalog on the Continuing Education pages.

Please see the Continuing Education page for more information.

Requirements

  • 24 hours of CE total.
  • A minimum of three credits must be in ethics.
  • No credit is given for duplicate courses.
  • CE credits must be downloaded before for the application or renewal is submitted.

Renewal Information

Independent Adjuster licenses need to be renewed every two years. A renewal may be applied for up to six weeks prior to the expiration of your license.

The Department considers the renewal of the license to be the responsibility of the licensee.

CE, if required, should be completed prior to applying for renewal.

Please contact the Department, 208-334-4339 if special arrangements need to be made.

Requirements

  • Residents must complete 24 hours of CE within the two-year renewal period.
  • No carry-over of CE credits are allowed from one period to the next
  • No credit is given for a repeated course within the same renewal period.
  • CE credits must be downloaded in order for us to process any renewal application. CE status can be tracked by clicking on Individual CE Transcript Inquiry .

Renewal requires downloading the renewal form and mailing it to the Department of Insurance with a check or money order for the Non-Refundable renewal fee of $80.00

Checks should be made payable to the Idaho Department of Insurance. The renewal form and attachments should be mailed to:

Idaho Department of Insurance
700 W State Street, 3rd Floor
PO Box 83720
Boise ID 83720-0043

Be sure to provide a current email address as a license copy will be emailed upon approval.

Reinstatement

If the license was not renewed before the expiration date, the license will require reinstatement.   

Reinstatement is available up to one year past the expiration of the license.

Residents

  • The reinstatement fee varies depending on the status of CE.
    • If all CE was completed prior to expiration, or no CE was required the Non-Refundable fee is $260.
    • If CE was completed within 30 days after the expiration of the license the Non-Refundable fee is $260.00
    • If CE was completed within 60 days after the expiration of the license the Non-Refundable fee is $360.00
    • If CE was completed within 90 days after the expiration of the license the Non-Refundable fee is $460.00

Checks should be made payable to the Idaho Department of Insurance. The application and attachments should be mailed to:

Idaho Department of Insurance

700 W State Street, 3rd Floor

PO Box 83720

Boise ID 83720-0043

Non-Resident
If the license was not renewed before the expiration date it will require reinstatement. Non-resident producers can reinstate their license online through either SIRCON or NIPR.

Reinstatement is available up to one year past the expiration of the license. The non-refundable fee is $120 plus applicable processing fees.

Reporting of Actions

Independent Adjusters (both individuals and agencies) have a duty to report any criminal or administrative actions to the Idaho Department of Insurance within 30 days per §41-5819

The Department encourages producers to use the NIPR Reporting of Actions Warehouse at www.nipr.com as a convenient means to post their documents and explanations to report to any state in which they are licensed.

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, a Worker’s Compensation exam, and a Crop/Hail exam.

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 Agency Independent Adjusters 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 does allow 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.

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 PSI pre-licensing candidate handbook and why do I need it?

This booklet is prepared and provided by our exam vendor, PSI Exams, 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.

There is no grace period for license Renewal. If you do not apply for a renewal and have complete CE by your expiration date your license will be suspended.

For example, if you are born in August and you have not applied for a renewal your license will be suspended on August 31st.

How do reinstate my license?

Click here for information on reinstating your license.

How long do I have to reinstate a lapsed license?

1 year, 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.

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)?

For individual licenses, you may now make updates to any of your contact information by using the Change function online via NIPR or Sircon. Once updated, allow 24 hours for the updated information to appear on our website.

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

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