State Requirements

General Requirements

• P.O. Box addresses are not accepted as resident or business addresses.
• Applicants must provide a business phone number and email address.
• Applicants must be at least eighteen (18) years of age.
• The applicant's resident state or designated home state must match the current record maintained in the Producer Database (PDB).

• If an applicant answers "Yes" to any background question, supporting documentation must be submitted through NIPR's Attachments Warehouse. Documentation may also be submitted directly to the Oklahoma Insurance Department.

Designated Home State (DHS) Requirements

Applicants may designate a Designated Home State (DHS) only if all applicable requirements are met.

• The selected DHS must have an active non-resident adjuster license recorded on PDB.
• Applicants who hold an active resident adjuster license may not designate a DHS.
• Applicants who hold an active resident producer license in a state that licenses resident adjusters may not use that producer license as a DHS.
• Applicants whose residence is located in a state that licenses resident adjusters may not designate a DHS.
• If a designated DHS license becomes inactive, the applicant may select another active non-resident adjuster license as the DHS.
• Oklahoma may not be selected as a Designated Home State for an Oklahoma non-resident adjuster license application.
• Public Adjusters may not designate a DHS.
• The selected DHS must be one of Oklahoma's approved Designated Home States.

Approved Designated Home States

Oklahoma currently accepts the following Designated Home States:

• Alabama
• Arkansas
• Florida
• Idaho
• Indiana
• Kentucky*
• Louisiana
• Minnesota
• Mississippi
• Montana
• New Hampshire
• North Carolina
• Texas
• Utah
• Washington
• West Virginia
• Wyoming

* Kentucky licenses are accepted for Independent Adjusters only. Staff Adjuster licenses are not accepted.

Multi-Peril Crop Adjuster Requirements

• Applicants applying for a Multi-Peril Crop Adjuster license must provide the required Federal Crop Insurance certification (FCIC/CAPP certification) through the Attachments Warehouse.
• Required documentation must be submitted within five (5) days of application submission.
• Applications that remain incomplete after five (5) days may be closed by the Oklahoma Insurance Department.
• Application fees are non-refundable.

Emergency Adjuster Requirements

• Emergency Adjuster applicants must be sponsored by an Oklahoma Resident Adjuster who holds an active license in good standing.
• A completed Catastrophe (Emergency) Adjuster Sponsorship Form must be submitted before the application can be processed.
• The completed sponsorship form may be submitted through NIPR's Attachments Warehouse or directly to the Oklahoma Insurance Department by email or fax.
• Incomplete sponsorship forms may delay application processing.
• Emergency Adjuster licenses are issued in response to a declared catastrophe and are valid only for the catastrophe event authorized by the Oklahoma Insurance Department.
• Applicants may be required to provide catastrophe declaration information as part of the application process.

Address or Name Discrepancies

• Applications associated with unresolved address or name discrepancies may be referred to the Oklahoma Insurance Department for review.
• An additional $50 review fee may apply.
• Applicants should ensure all address and name information is current and accurate before submitting an application.

Reinstatement Eligibility

• Licenses that have been expired for less than one (1) year may be eligible for reinstatement.
• Licenses with certain disciplinary or administrative status restrictions may not be eligible for reinstatement.
• Penalty fees may apply.
• Licenses expired for more than one (1) year must apply as a new applicant.

Important: Oklahoma licenses remain active for up to three (3) days after the expiration date. During this period, renewal may still be permitted. After three (3) days, the license must become inactive before reinstatement can occur.