Idaho issues licenses for Public Adjuster to individuals and agencies as well as residents and non-residents.
A public adjuster is an insurance claims adjuster who advocates for the policyholder in appraising and negotiating
a claimant's insurance claim. Aside from attorneys and the broker of record, public adjusters licensed by state
departments of insurance are the only type of claims adjuster that can legally represent the rights of an insured
during an insurance claim process.
Idaho Code in Connection with Public Adjuster Licensing
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Not all inclusive. Please refer to Chapter 58 for further definitions.
- Public Adjuster "Public adjuster" means 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