Rhode Island Statute Update:
Prior to September 17, 2018, the Rhode Island Insurance Division offered adjuster applicants three distinctly separate licenses: a Company Adjuster license, an Independent Adjuster license, and a Public Adjuster license. Effective September 17, 2018 Rhode Island simplified our adjuster license offerings and combined the activities of company and independent adjusters into one license. Rhode Island now offers adjuster applicants two separate licenses: a Company/Independent Adjuster license or a Public Adjuster license.
Background Check Requirements
All Rhode Island residents must provide a certified background check (BCI). For additional information, please visit www.riag.ri.gov and choose the "Information on Background Checks" link.
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 request 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 all 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 www.pearsonvue.com/ri/insurance for additional information about exam locations and hours, and to schedule your exam. Rhode Island examination content outlines can be found here.
Emergency Adjuster Licensing
Emergency adjuster licenses are not renewable and expire after 120 days. If after expiration an insurer determines there is a need for an extension, such extension must be directly attributable to the emergency for which the adjuster was initially utilized and the adjuster can reapply for a new emergency adjuster license the day after the expiration date.
Licensees that hold an active Rhode Island adjuster license are prohibited from applying for or holding a Rhode Island emergency adjuster license. All public adjuster licensees are not eligible for an emergency adjuster license under any circumstance. Emergency adjusters may only perform work for the designated employer, on behalf of an insurer.
Rhode Island will trigger the emergency adjuster license by issuing an Industry Alert. Please check the Insurance Division's website for such notification prior to applying. All emergency adjuster applications received when the statute has not been triggered will be rejected.
Company/Independent and public adjuster licenses cannot be held at the same time.
Non-resident public adjuster applicants must hold an active resident public adjuster license in order to apply. Non-resident public adjuster applicants may not select Rhode Island as a designated home state (adjuster DHS). Only applicants applying for a company/independent adjuster license may select Rhode Island as his/her designated home state (adjuster DHS) when the exam requirement is met.
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 and line(s) of authority (LOA) carefully. Because the electronic application is 100% user driven, the Rhode Island Insurance Division will not honor a refund request if you apply for the wrong license by accident, if you apply for the same license more than once (back-to-back), or if you apply for the wrong LOA. If you do not see the line(s) of authority that you expect to see because you took an exam, please do not apply for "Crop" because it's the only selection available to you. It takes 3-5 days for the exam results to be reported to NIPR and when those results are reported, you will be able to apply for the applicable LOA. The Rhode Island Insurance Division will not verify with applicants who only choose "Crop" to ensure the applicant truly meant to apply for that LOA. All LOA amendments must be processed through NIPR and there is a $50 amendment fee.
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