Claims Adjuster license is being transitioned to specific license types: Company Adjuster, Independent Adjuster, and Public Adjuster.
Claim Adjuster applicants (active or inactive) must reinstate through the Non-Resident Adjuster Licensing (NRAL) application to obtain one of the new license classes. The applicant must select one of the following adjuster license classes: Company Adjuster, Public Adjuster, or Independent Adjuster.
Company Adjuster, Public Adjuster and Independent Adjuster applicants must provide a certified background (BCI) check from the Attorney General's office or the agency serving as the repository for criminal records in that state.
Public, Independent, and Company Adjuster licenses cannot be held simultaneously.
Emergency Adjusters are not a renewable license class and expire after 120 days. The day after expiration date, applicant is eligible to apply for a new license via the Non Resident Adjuster Licensing application.
Emergency Adjuster license cannot be held simultaneously with Public, Independent, or Company Adjuster licenses in Rhode Island.
Applicants that currently hold a Public Adjuster license cannot apply for or hold an Emergency Adjuster license in Rhode Island.
Electronic applications will be issued for a two (2) year license term.
Applicants for non-resident adjuster licensing are exempt from taking the examination, and from supplying any background report if the applicant holds an active license in one of the reciprocal states. If the applicant does not hold an active license in any reciprocal state, the applicant must take and pass the Rhode Island exam. Please email Rhode Island with questions pertaining to reciprocity.
Please note that Rhode Island is only reciprocal with the following states: Connecticut, Kentucky, Maine, Michigan, New Hampshire, North Carolina, Oklahoma, South Carolina, Texas, Vermont, and Wyoming.
Applicant must be eighteen (18) years old or older as determined from the applicant's date of birth.
Non-citizens of the U.S. must have a resident license for selling insurance in one of the 50 U.S. states.
Rhode Island requires all applicants to enter a business e-mail address.
Adjuster Designated Home State (ADHS) Rules:
- Applicant's state designated as home state or resident state must match current PDB record.
- In order for an applicant to designate a home state during the application process, the applicant must have an active non-resident adjuster license on the Producer Database (PDB) and no active resident adjuster license
- If designated home state license is inactive at the time of renewal and no active resident adjuster license exists, applicant may select another state with an active adjuster license as the designated home state.
- If applicant holds only a non-resident adjuster license in a state that licenses resident adjusters, applicant is permitted to designate an active non-resident adjuster license as their home state license. Application will defer to state for review.
- If applicant holds only an active non-resident adjuster license in a state that offers adjuster licensing, applicant must use current resident license to renew non-resident adjuster license. Application will defer to state for review.
- If applicant has an active non-resident adjuster license in a state that does not license adjusters, and no active non-resident adjuster license, applicant must use current active resident license to renew non-resident adjuster license. Application will defer to state for review.
- Applicants that have an active resident producer (non-adjuster) license and no active resident adjuster license may not apply for an adjuster license using the resident producer (non-adjuster) license.
- Only applicants applying for Company Adjuster and Independent Adjuster may select Rhode Island as the Adjuster Designated Home State while applying for their Non Resident Rhode Island license.
- If designated home state license is INACTIVE at the time of application, allow applicant to select another non-resident state with an active adjuster license as the designated home state.
- Applicant may select any Designated Home State in which the applicant holds a non-resident adjuster license while applying for their Rhode Island Non-Resident Company Adjuster or Independent Adjuster license.
- Applicants applying for Public Adjuster and Emergency Adjuster licenses may not select Rhode Island as the Adjuster Designated Home State
Definitions of Adjusters:
- Company Adjuster - An insurance adjuster who is an employee of an insurance company.
- Independent Adjuster - An insurance adjuster who is hired on a contract basis by an insurance company to represent the insurance company's interest in the settlement of the claim.
- 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, other than automobile, life, accident & health, 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 an public adjuster of insurance claims or solicits business or represents himself or herself to the public as an 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.