RHODE ISLAND Non-Resident Adjuster License Renewal for Individuals

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Primary Rules    |   Renewal Period   |   License Printing    |   Business Rules   |   State Offerings   |   Renewal Fees   |   Contacts & FAQs

State Announcements

Posted: 9/16/2015

Claims Adjusters license have been transitioned to specific license types: Company Adjuster, Independent Adjuster and Public Adjuster. Applicants must select one of the new Adjuster license types (Company, Independent or Public Adjuster) through the Initial licensing applications. If you have any questions prior to renewing; please contact NIPR Customer Service at (855) 674-NIPR (6477) or Rhode Island Department of Insurance at (401) 462-9500.

Primary Rules

Response Question
Yes Accepts adjuster for individuals electronically.
No* Accepts adjuster for business entities electronically.
Yes Accepts Adjuster Designated Home State (ADHS) electronically.
No Accepts partial renewals.
Yes Print licenses electronically.

* Business entities will renew using Non-Resident Renewals (NRR) rather than Non-Resident Adjuster Renewals (NRAR).

Renewal Period

License Class Renewal Period Late Renewal Period Reinstatement Period
All License Classes Sixty (60) days prior to expiration date – Up to Expiration Date Thirty (30) days after expiration.
*30 day grace period for expired licenses. Allows renewal with no additional fee.
Thirty one (31) days to one year after license expired

License Printing

To print your license, click the state on NIPR's Producer Licensing Map.

Business Rules

Rhode Island issues a non-resident adjuster licenses to individuals for two (2) years.

Renewal is determined by the expiration date of the license.

Claims Adjuster license is being transitioned to specific license types: Company Adjuster, Independent Adjuster, and Public Adjuster.

Claims Adjuster applicants (active or inactive) must reinstate thru NRAL to obtain one of the new license classes upon renewal.

Claim Adjuster licensees will not be able to renew their license through the Non-Resident Adjuster Renewal (NRAR) application. They will be required to apply through the Non-Resident Adjuster Licensing (NRAL) application. 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 if applying with the state of Rhode Island for the first time.

Public, Independent, and Company Adjuster licenses cannot be held simultaneously.

Emergency Adjusters are not a renewable license class and expire 120 days from issuance. The day after expiration date, applicant is eligible to apply for a new license via Non Resident Adjuster Licensing application.

Emergency Adjuster license cannot be held simultaneously with Public, Independent, or Company Adjuster licenses in Rhode Island.

Rhode Island requires all applicants to provide a valid business email address.

License is eligible for renewal starting 60 days prior to expiration date on PDB.

Applicant is allowed a grace period of 30 days after the expiration date to renew the license with no additional fees. 

Partial renewals are not allowed. Electronic renewals must be renewed for all active lines held.

If applicant responds "yes" to one of the background questions please submit supporting documents electronically via NIPR's Attachments Warehouse. The documents may also be submitted to the state via mail, e-mail, or fax.


See NIPR's Non-Resident Adjuster Licensing (NRAL) Application for Adjuster Designated Home State (ADHS) rules.


Adjuster Designated Home State (ADHS) Requirements

  • At least one non-resident active adjuster license must exist on NIPR's Producer Database (PDB). If applicant's resident state or ADHS is inactive, the applicant must designate new home state.
  • The ADHS selected MUST have an active non-resident adjuster license on the PDB.
  • In order for an applicant to designate a home state during the renewal application, the applicant must have an active non-resident adjuster license on the PDB and no active resident adjuster license.
  • Applicants that have an active resident producer (non-adjuster) license and no active resident adjuster may not renew an adjuster (non-public adjuster) license using the resident producer (non-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-adjuster resident license in a state that licenses resident adjusters, applicant is permitted to designate an active non-resident adjuster license as their home state license. If applicant holds a non-adjuster resident license in a state that does not license resident adjusters, applicant is allowed to designate a home state.
  • 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.
  • If applicant has an active non-adjuster resident 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.
  • Applicants may not select Rhode Island as Adjuster Designated Home State when renewing their Non-Resident Rhode Island license.
  • Public Adjusters may not select an 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:
    1. 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;

    2. 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

    3. 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.

State Offerings

Please note that license class names can vary by state.

License Class Line of Authority (LOA)
Company Adjuster Workers' Compensation
Company Adjuster Property & Casualty
Company Adjuster Crop
Independent Adjuster Workers' Compensation
Independent Adjuster Property & Casualty
Independent Adjuster Crop
Public Adjuster NONE

Renewal Fees

Fees shown are state fees only. These fees do not include NIPR transaction fees.

License Class / LOA Combination License Renewal Fee *
(Up to 30 days after license expiration)
License Late Renewal Fee
(31 days to One Year after license expiration)
Public Adjuster/None $150.00 $200.00 ($150 license fee + $50 reinstatement fee)
Independent Adjuster/All LOA's $150.00 $200.00 ($150 license fee + $50 reinstatement fee)
Company Adjuster/All LOA's $150.00 $200.00 ($150 license fee + $50 reinstatement fee)

* Per application.

Contacts

Last Update: 4/18/2017

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