Rhode Island Statute Update:
Prior to September 17, 2018, the Rhode Island Insurance Division issued three distinctly separate adjuster licenses: Company Adjuster license, Independent Adjuster license, and Public Adjuster license. Effective September 17, 2018 Rhode Island combined the activities of company and independent adjusters into one license. Rhode Island now issues two separate adjuster licenses: Company/Independent Adjuster license and Public Adjuster license.
All Company Adjuster and Independent Adjuster licenses that were in effect prior to September 17, 2018 have been automatically updated to reflect this change both in Rhode Island's local license manager, State Based Systems ("SBS") and on the national Producer Database ("PDB"); there is no action required by the licensee. Upon renewal the licensee will see that his/her license has been renamed to Company/Independent Adjuster. There is no further action required by an individual licensee.
Rhode Island issues a non-resident adjuster licenses to individuals for two (2) years.
Public and Company/Independent Adjuster licenses cannot be held simultaneously.
Renewal applicants who currently have Rhode Island as a home state (adjuster DHS) must renew through the Non-Resident Renewal (No Home State) application.
Renewal adjuster DHS applicants must select his/her DHS and may not select Rhode Island as a home state (adjuster DHS) at the time of renewal. If a licensee wants to amend his/her license to select RI as a DHS, s/he must take (and pass) the applicable exam, obtain a certified criminal background check from his/her resident state and contact the Rhode Island Insurance Division at firstname.lastname@example.org to make the change prior to renewal.
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 using the Non-Resident Adjuster License application.
Rhode Island requires all applicants to provide a valid business email address. 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.
Because the electronic application is 100% user driven, the Rhode Island Insurance Division will not honor a refund request if you submit more than one renewal application.
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.