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 90 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.