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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.

Application Checklist

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 Checklist

Non-Resident Checklist

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.

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

Are Resident Independent Adjusters and DHS-Idaho Independent Adjusters required to complete Continuing Education to maintain their license?

Yes, effective with the 2015 legislative action, Independent Adjusters will be required to complete 24 hours of CE each renewal period. Check the News section of the Independent Adjusters portion of the website for more specific information.

What is a Designated Home State (DHS)?

A DHS is a non-resident state that will qualify a DHS adjuster for licensing purposes and allow the DHS adjuster to designate their state as their “home state”. The DHS adjuster is required to complete resident licensing requirements. Other non-resident states will use the DHS adjuster license to qualify the DHS adjuster for a non-resident adjuster license in their state.

What is a Designated Home State – Idaho license type and how is it different 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.

What are Designated Home State (DHS) adjusters?

DHS adjusters do not hold an adjuster license in their resident state as their resident state does not license adjusters. Instead, DHS adjusters qualify for their adjuster license by meeting the resident licensing qualifications in a non-resident state.

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 company registrations/appointments required for adjusters?

No.

Do Agency Independent Adjusters require a DRLP on their application?

No.

Are Staff Adjusters required to be licensed in Idaho?

No, salaried employees of an insuring company are not required to be licensed in Idaho.

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–just be sure to get at least 3 credits in ethics. There are adjuster courses, or you can take property or casualty courses or anything offered that is relevant to your profession.

If I complete more than the required 24 hours of CE, will those extra credits carry over to the next renewal period?

No, we do not carry-over credits from one period to another.

Can I take the same CE course more than once?

If you take the same course more than once within the same renewal period, only one will earn credit toward your CE credit total for that renewal period. You can repeat courses in a different renewal period for credit.

How do DBA’s work in relation to my license?

Please visit our Doing Business As page for information on DBA’s.

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.

Have more questions?
Contact the Licensing Team

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