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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.

Application Checklist

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

Resident

Items not requiring an original should be sent to agent@doi.idaho.gov.  Original Bond should be mailed to:

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

Non-Resident

  • Uniform application (Individual or Agency ) for individual/business or online application via NIPR or Sircon.
  • Non-Refundable Fee: $80
  • Original Bond

Items not requiring an original should be sent to agent@doi.idaho.gov. Original Bond should be mailed to:

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

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 can be tracked  by clicking on Individual CE Transcript Inquiry .

The DOI can provide a presentation to Adjuster groups on how to navigate the new CE requirement and/or how to submit Adjuster Courses for CE approval. This will provide helpful information and demonstrate the resources that are available on our website. If interested, please click here to email the Department.

Renewal

Renew Online

Online renewal is available via NIPR or Sircon.

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

Renew by Mail

Fill out the mail-in renewal form and mail it to the Department of Insurance with a check or money order for the Non-Refundable $80 renewal fee.

Idaho Department of Insurance
700 W State Street, 3rd Floor
PO Box 83720
Boise ID 83720-0043
208-334-4250

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

Reinstatement

If the Public Adjuster 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.

Resident Reinstatement Check List:

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-Residents

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 of the license.

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

Can I apply online?

Yes, you may apply online , via NIPR(Individual   Business Entity) or SIRCON (Individual   Agency)

Do I need a bond to get a Public Adjuster license?

Yes, Public Adjusters must obtain and maintain either a Surety or Irrevocable Letter of Credit in the amount of $20,000.

Do I need to send my original bond to your office?

Yes, we must have the original bond on file to issue the license.

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

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

Are Public Adjusters required to complete 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.

Have more questions?
Contact the Licensing Team  

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