Idaho issues Public Adjuster licenses to individuals and agencies, residents, and non-residents. Aside from attorneys and the broker of record, Public Adjusters are the only type of claims Adjuster that can legally represent the rights of an insured during an insurance claim process.
How to Apply
Idaho Residents: Click here to download detailed instructions.
Non-Residents: Click here to download detailed instructions.
All Public Adjusters, residents and non-residents must obtain and maintain either a Surety Bond) or an Irrevocable Letter of Credit in the amount of $20,000. For more information on the bond, see the how to apply instructions linked above.
Renewal
The DOI STRONGLY recommends residents complete their CE 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.
Producer 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.
Click here to download detailed instructions for renewing a license.
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.
The Continuing Education Course Catalog is available on our website for a listing of providers and approved Idaho Continuing Education courses. For a detailed guide to the course catalog click here.
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 CE completion date determines which non-refundable penalty applies.
- $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 after the expiration of the license.
- $300.00 if CE is completed between 61 and 90 days after 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-residents
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 overnight 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.
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 of posting documents and explanations related to reportable actions.
Idaho Legal Code
Idaho Statutes: Chapter 58:
§41-5802 (Definitions)
§41-5803 (License Required)
§41-5805 (Application for License)
§41-5806 (Qualifications for Public Adjuster’s License)
§41-5812 (Requirement of Bond or Irrevocable Letter of Credit)
§41-5813 (Requirement for Continuing Education)
§41-5814 (Fees/Sharing of Commission)
§41-5815 (Contract between Public Adjuster and Insured)
§41-5816 (Requirement of Escrow/Trust Account)
§41-5817 (Record Retention)
§41-5818 (Standards of Conduct)
§41-5819 (Reporting of Actions)
Title 30:
§30-21-801 through §30-21-810 (Use of a DBA/Assumed Business Name)
Rules:
18.06.04 Continuing Education
Resources
FAQ
Where can I get a copy of my license?
You can get a free copy of your license from the SBS License Manager.
Do I need a bond to get a Public Adjuster license?
Yes, click here for more information.
Do I need to send my original bond to your office?
Yes.
Can I receive a license if I have a record?
Please click here for information on Insurance Licensing and criminal records.
How do I apply for a Public Adjuster License?
Idaho Residents: Click here to download detailed instructions.
Non-Residents: Click here to download detailed instructions.
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 criminal offense that needs to be 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 process can add upwards of 4-7 days, not including shipping time to the turnaround time.
- Inaccurate information. Make sure that everything is correct in your application, including addresses, 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.
When can I apply to renew my license?
You can apply for renewal up to 90 days before the expiration date. Your CE must be complete before applying for renewal.
There is no grace period for license Renewal. If you do not apply for a renewal by your expiration date your license will be suspended.
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. For example, if you are born in August and you have not applied for a renewal your license will be suspended on August 31st.
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 completed at least 30 days before applying for renewal.
There is no grace period for license renewal.
How do I renew my license?
Click here to download detailed instructions for renewing a license.
Are Public Adjusters required to complete Continuing Education(CE)?
Resident licensees are required to complete 24 hours of Continuing Education (CE), with a minimum of 3 hours in the Ethics course category, each 2-year license review period. Non-resident licensees are not required to complete CE for Idaho but are required to maintain CE compliance in their resident license state. Click here for more information.
How long do I have to get my 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.
I’ve completed my CE, why can’t I 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 credits are entered into our system, they are sent in a batch report overnight 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.
Can I submit a late renewal for my license?
Yes. Renewals can be submitted for up to one year after the expiration.
How long do I have to submit a late renewal?
You have 1 year from the license’s 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.
Can I reinstate a license that has been expired for more than a year?
No. You will need to apply for a new license.
How do I change the name on my license?
Click here for detailed instructions.
How do I change my contact information (address, phone number, email address)?
Click here for detailed instructions.
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 switch my license from Non-resident to Resident?
Click here for a step-by-step guide to changing your non-resident license to resident.
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/Links page.
Have more questions?
Contact the Licensing Team