Rhode Island Statute Update:
Effective January 1, 2015 the Rhode Island Insurance Claim Adjuster statute has been amended. R.I. Gen. Laws § 27-10 now provides that Rhode Island will issue three distinct adjuster licenses. Those licenses are (1) company adjuster, (2) independent adjuster, and (3) public adjuster. All persons applying for an adjuster license after January 1, 2015 will select from one of these three categories and apply for that license type. Upon application for renewal of the former "claim adjuster" license with an expiration date of January 1, 2015 or later, the applicant will be required to choose a license type. By applying for the new license type, the applicant will be renewing the existing license as well as transitioning the existing license into one of the three adjuster license categories. Renewal applicants will not be required to take an exam.
Background Check Requirements
All Rhode Island residents must provide a certified background check (BCI) from the Rhode Island Attorney General's office.
An applicant that is designating Rhode Island as his/her home state (adjuster DHS) must provide a certified background check from his/her resident state.
A Massachusetts resident that declares Rhode Island as his/her home state (adjuster DHS) must fill out a CORI form and the Rhode Island Insurance Division will submit the background check request on behalf of the applicant.
A New York resident that declares Rhode Island as his/her home state (adjuster DHS) must follow the instructions for fingerprinting online through IdentoGO by MorphoTrust USA.
All Rhode Island residents, and applicants that are designating Rhode Island as his/her home state (adjuster DHS), must pass the applicable Rhode Island adjuster exam at a PearsonVue testing center. Applicants should call PearsonVue at 800-274-3739 or visit PearsonVue's website for additional information about exam locations, hours, and to schedule an examination. Examination content outlines can be found here.
Emergency Adjuster Licensing
Emergency adjuster licenses are not renewable and expire after 120 days. However, the day after the expiration date the licensee is eligible to apply for a new license.
Applicants that currently hold a Rhode Island public, independent, or company adjuster license cannot apply for or hold a Rhode Island emergency adjuster license. Public adjusters are prohibited from obtaining an emergency adjuster license.
Public, independent, and company adjuster licenses cannot be held at the same time.
Non-resident applications for a public adjuster license will only be issued when the applicant holds a home state public adjuster license.
Non-resident applicants applying for a public adjuster license may not select Rhode Island as his/her designated home state (adjuster DHS). Only applicants applying for company and independent adjuster licenses may select Rhode Island as his/her designated home state (adjuster DHS).
Adjuster licenses are renewed every two years. The renewal date is the birth month of the licensee. Examples: You first apply in April 2017 and your birthday is in December. Your first renewal will be December 2018. You first apply in April 2017 and your birthday is in June, your first renewal will be June 2019.
Applicant must be eighteen (18) years old or older as determined from the applicant's date of birth.
Rhode Island requires a valid business email address on all applications.
While it is the licensee's responsibility to renew his/her license, as a courtesy, Rhode Island sends electronic license renewal reminders to the business e-mail address associated with a license.
Please choose your license type carefully. The Rhode Island Insurance Division will not honor a refund request if you apply for the wrong license in error/by accident. Below are definitions of the three different types 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.
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