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Adjuster, Public

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.

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:

IDAPA Rule 18

18.06.04 Continuing Education

Definitions

Public Adjuster: any person who, for compensation or any other thing of value on behalf of the insured:

Acts or aids, solely in relation to first party claims arising under insurance contracts that insure the real or personal property of the insured, on behalf of an insured in negotiating for, or effecting the settlement of, a claim for loss or damage covered by an insurance contract;

Advertises for employment as a Public Adjuster of insurance claims or solicits business or represents himself or herself to the public as a Public Adjuster of first party insurance claims for losses or damages arising out of policies of insurance that insure real or personal property; or

Directly or indirectly solicits business, investigates, or adjusts losses, or advises an insured about first party claims for losses or damages arising out of policies of insurance that insure real or personal property for another person engaged in the business of adjusting losses or damages covered by an insurance policy, for the insured.

For a full list of insurance licensing terms please click here.

Bond

All Public Adjusters, resident and non-residents must obtain and maintain either a Surety Bond) or Irrevocable Letter of Credit in the amount of $20,000.

Bond must be an original, on the Idaho Department of Insurance approved form and be received prior to issuance of license.

How to Apply

Resident Application Process

Step 1: Pass the Public Adjuster Exam. For information on testing click here.

Step 2: Have your fingerprints taken at an Idaho PSI location. For more information on fingerprints click here.

Step 3: Obtain a bond in the amount of $20,000. The bond needs to be on the DOI’s bond form.

Step 4: Send the original bond to:

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

Step 5: Apply online via NIPR. There is a Non-Refundable Fee of $80.

Step 6: Send the following to agent@doi.idaho.gov or upload them to the Documents Warehouse

Non-Resident Application Process

Step 1: Hold a Public Adjuster License in your home state

Step 2: Obtain a bond in the amount of $20,000. The bond needs to be on the DOI’s bond form

Step 3: Send the original bond to:

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

Step 4: Apply online via NIPR. There is a Non-Refundable Fee of $80

Continuing Education (CE)

The Idaho Legislature has approved an update to IDAPA Rule 18.06.04 that allows the Department of Insurance to enforce a Continuing Education (CE) requirement for Resident and Designated Home State-Idaho Independent Adjusters. Nonresident and agency Adjusters are not affected by this rule.

Requirements

  • All resident Public Adjusters must have their CE downloaded prior to application and renewal.
  • Public Adjuster agents must show 24 hours of CE credits total with a minimum of three credits in ethics 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 before the renewal application can be processed.
  • CE status can be checked by going to Individual CE Transcript Inquiry.
  • Look for approved courses in the CE Course Catalog .
  • CE providers have 30 days from course completion to upload CE credits. Renewals cannot be submitted until the credits are uploaded.

Renewal

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

Licenses cane be renewed via NIPR

Public 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.

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

Please allow 24-48 hours before attempting to print a license.

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 via NIPR. Note: The page will say you are submitting a renewal, this is correct. Reinstatements are a subcategory of renewals.

Resident Reinstatement Fees

  • 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 $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

The non-refundable reinstatement fee for non-residents is $120.

Reporting of Actions

If a Public Adjuster license is not renewed before the expiration date, the license 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 o

Public 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

Where can I get a copy of my license?

You can obtain a free PDF of your license by clicking here.

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, click here for more information.

How do I apply for a Public Adjuster License?

Click here for how to apply.

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 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.

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.

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 I renew my license?

Click here for information on renewing your license.

Are Public Adjusters required to complete Continuing Education(CE)?

Yes, they must complete 24 hours of Continuing Education within each 2-year renewal period, with a minimum of 3 hours in the Ethics course category.

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.

How do I reinstate my license?

Click here for information on reinstating your license.

How long do I have to Reinstate a lapsed license?

1 year, click here for more information.

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 I change my contact information (address, phone number, email address)?

Click here to change your contact information.  Once updated, allow 24 hours for the updated information to appear on our website.

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 DBA’s work in relation to my license?

Please visit the Doing Business As (DBA) page for details about DBA’s

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  

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