Public Adjuster License Search, Fees & Licensing Requirements By State

Each state has different rules for public adjuster licensing and fees. The insurance industry is regulated at the state level, and each state government has its own insurance department. That means states are entirely in charge of how public adjusters are governed, how public adjusters operate, and whether or not public adjusters need to get licensed.

Some states have strict rules governing how public adjusters operate. They have fee caps that prevent public adjusters from overcharging, for example. Other states have surprisingly lax requirements. Some states do not allow public insurance adjusters at all. Using the information below, you can verify a license and ensure the public adjuster you hire is operating lawfully.

At ClaimsMate, we bring transparency to the world of public adjusters. Keep reading to discover everything you need to know about public adjuster licensing, fees, and information in each state.

If you have further questions or need help finding an experienced public adjuster in your area, send us a message. We’re happy to help.

Find Public Adjuster Information in Your State

Choose your state from the dropdown menu to find licensing, fee requirements, state regulatory agencies, and other information about public adjusters and insurance claims in your state.

Additional helpful information:

Alabama Public Adjusters
Licensing: Alabama does not license or recognize public adjusters. Those operating as a public adjuster in the state must be attorneys.

State Department of Insurance Website: www.aldoi.gov

Percentage Fee Restrictions: N/A

Licensed Public Adjuster Lookup: N/A

Alaska Public Adjusters
Licensing: Alaska does not license public adjusters. Operating as a public adjuster may constitute the practice of law.

State Department of Insurance Website: www.commerce.alaska.gov/web/ins

Percentage Fee Restrictions: N/A

Licensed Public Adjuster Lookup: N/A

Arizona Public Adjusters
Licensing: Adjuster License Required.

State Department of Insurance Website: insurance.az.gov

Percentage Fee Restrictions: None

Licensed Public Adjuster Lookup: sbs.naic.org/solar-external-lookup: Select Arizona as Jurisdiction. Select Adjuster as License Type.

Arkansas Public Adjusters
Licensing: Public adjusters are prohibited from adjusting claims in Arkansa.

State Department of Insurance Website: insurance.arkansas.gov

Percentage Fee Restrictions: N/A

Licensed Public Adjuster Lookup: N/A

California Public Adjusters
Licensing: Public Adjuster License Required – Requires Two years of loss adjusting experience.

State Department of Insurance Website: www.insurance.ca.gov

Percentage Fee Restrictions: None

Licensed Public Adjuster Lookup: www.insurance.ca.gov/license-status

Colorado Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: www.colorado.gov/pacific/dora/node/90616

Percentage Fee Restrictions: 10% Limit for Catastrophes.

Licensed Public Adjuster Lookup: www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y

Connecticut Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: www.ct.gov/cid/site/default.asp

Percentage Fee Restrictions: 10% Limit.

Licensed Public Adjuster Lookup: www.cidverifylicense.ct.gov/CLIC/VerifyLicense.aspx

Delaware Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: insurance.delaware.gov

Percentage Fee Restrictions: 2.5% Limit of the First $25,000, 12% Limit on the amount that exceeds $25,000.

Licensed Public Adjuster Lookup: insurance.delaware.gov/services/licenseelookup/

District of Columbia Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: https://disb.dc.gov

Percentage Fee Restrictions: 10% Limit.

Licensed Public Adjuster Lookup: https://sbs.naic.org/solar-external-lookup: Select District of Columbia as Jurisdiction. Select Public Insurance Adjuster as License Type.

Florida Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: www.myfloridacfo.com

Percentage Fee Restrictions: 20% Limit on non declared emergencies, 10% within the first year of declared emergencies. Limits only apply to residential and condominium policies.

Licensed Public Adjuster Lookup: www.myfloridacfo.com/Data/AAR_ALIS1/index.htm

Georgia Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: www.oci.ga.gov/home.aspx

Percentage Fee Restrictions: None

Licensed Public Adjuster Lookup: www.oci.ga.gov/Agents/AgentStatus.aspx

Hawaii Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: cca.hawaii.gov/ins

Percentage Fee Restrictions: None

Licensed Public Adjuster Lookup: insurance.ehawaii.gov/hils

Idaho Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: www.doi.idaho.gov

Percentage Fee Restrictions: None

Licensed Public Adjuster Lookup: www.doi.idaho.gov/licensing/search

Illinois Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: insurance.illinois.gov

Percentage Fee Restrictions: 10% Limit on Catastrophes unless otherwise approved in writing by the Director.

Licensed Public Adjuster Lookup: sbs.naic.org/solar-external-lookup: Select Illinois as Jurisdiction. Select Public Adjuster as License Type.

Indiana Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: www.in.gov/idoi

Percentage Fee Restrictions: None.

Licensed Public Adjuster Lookup: www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y

Iowa Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: iid.iowa.gov

Percentage Fee Restrictions: None.

Licensed Public Adjuster Lookup: sbs-ia.naic.org/Lion-Web/jsp/sbsreports/AgentLookup.jsp

Kansas Public Adjusters
Licensing: Public Adjuster License Required. Public Adjusters May Only be Involved in Claims for Commercial Lines.

State Department of Insurance Website: www.ksinsurance.org

Percentage Fee Restrictions: 10% Limit.

Licensed Public Adjuster Lookup: towerii.ksinsurance.org/agent/publicadjusterindex.jsp

Kentucky Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: insurance.ky.gov

Percentage Fee Restrictions: None.

Licensed Public Adjuster Lookup: insurance.ky.gov/agent/Default.aspx

Louisiana Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: www.ldi.la.gov

Percentage Fee Restrictions: None.

Licensed Public Adjuster Lookup: www.ldi.la.gov/onlineservices/ProducerAdjusterSearch

Maine Public Adjusters
Licensing: Adjuster License Required.

State Department of Insurance Website: www.maine.gov/pfr/insurance

Percentage Fee Restrictions: None.

Licensed Public Adjuster Lookup: www.pfr.maine.gov/almsonline/almsquery/welcome.aspx

Maryland Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: insurance.maryland.gov/Pages/default.aspx

Percentage Fee Restrictions: None.

Licensed Public Adjuster Lookup: sbs.naic.org/solar-external-lookup: Select Maryland as Jurisdiction. Select Public Adjuster as License Type.

Massachusetts Public Adjusters
Licensing: Public Adjuster License Required – Requires two years of experience.

State Department of Insurance Website: www.mass.gov/service-details/about-the-division-of-insurance

Percentage Fee Restrictions: 10% Limit.

Licensed Public Adjuster Lookup: www.mass.gov/lists/massachusetts-licensed-individuals-and-business-entities#public-insurance-adjusters-

Michigan Public Adjusters
Licensing: Adjuster License Required.

State Department of Insurance Website: www.michigan.gov/difs

Percentage Fee Restrictions: 10% Limit.

Licensed Public Adjuster Lookup: difs.state.mi.us/locators?searchtype=Insurance

Minnesota Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: mn.gov/commerce

Percentage Fee Restrictions: None.

Licensed Public Adjuster Lookup: www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y: Select Minnesota as Jurisdiction. Select Public Adjuster as License Type.

Mississippi Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: www.mid.ms.gov

Percentage Fee Restrictions: 10% Limit.

Licensed Public Adjuster Lookup: www.mid.ms.gov/licensing-search/licensing-search.aspx

Missouri Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: insurance.mo.gov

Percentage Fee Restrictions: None.

Licensed Public Adjuster Lookup: sbs-mo.naic.org/Lion-Web/jsp/sbsreports/AgentLookup.jsp

Montana Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: csimt.gov

Percentage Fee Restrictions: None.

Licensed Public Adjuster Lookup: sbs.naic.org/solar-external-lookup: Select Montana as Jurisdiction. Select Public Adjuster as License Type.

Montana Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: csimt.gov

Percentage Fee Restrictions: None.

Licensed Public Adjuster Lookup: sbs.naic.org/solar-external-lookup: Select Montana as Jurisdiction. Select Public Adjuster as License Type.

Montana Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: csimt.gov

Percentage Fee Restrictions: None.

Licensed Public Adjuster Lookup: sbs.naic.org/solar-external-lookup: Select Montana as Jurisdiction. Select Public Adjuster as License Type.

Nebraska Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: doi.nebraska.gov

Percentage Fee Restrictions: 10% Limit for Catastrophes.

Licensed Public Adjuster Lookup: sbs-ne.naic.org/Lion-Web/jsp/sbsreports/AgentLookup.jsp

Nevada Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: doi.nv.gov

Percentage Fee Restrictions: None.

Licensed Public Adjuster Lookup: di.nv.gov/ins/f?p=licensing:search

New Hampshire Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: www.nh.gov/insurance

Percentage Fee Restrictions: None.

Licensed Public Adjuster Lookup: sbs-nh.naic.org/Lion-Web/jsp/sbsreports/AgentLookup.jsp

New Jersey Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: www.state.nj.us/dobi/division_insurance/index.htm

Percentage Fee Restrictions: “Fees must be reasonable.”

Licensed Public Adjuster Lookup: www20.state.nj.us/DOBI_LicSearch/insSearch.jsp

New Mexico Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: www.osi.state.nm.us

Percentage Fee Restrictions: None.

Licensed Public Adjuster Lookup: sbs.naic.org/solar-external-lookup: Select New Mexico as Jurisdiction. Select Public Adjuster as License Type.

New York Public Adjusters
Licensing: Public Adjuster License Required – Requires 12 months of experience or approved training program.

State Department of Insurance Website: www.dfs.ny.gov/insurance/dfs_insurance.htm

Percentage Fee Restrictions: 12.5% Limit.

Licensed Public Adjuster Lookup: myportal.dfs.ny.gov/nylinxext/elsearch.alis

North Carolina Public Adjusters
Licensing: Public Adjuster License Required – Requires 12 months of experience or approved training program.

State Department of Insurance Website: www.ncdoi.com

Percentage Fee Restrictions: 10% Limit For Catastrophes.

Licensed Public Adjuster Lookup: sbs-nc.naic.org/Lion-Web/jsp/sbsreports/AgentLookup.jsp

North Dakota Public Adjusters
Licensing: License Required For Insurance Consultants Which Includes Public Adjusters.

State Department of Insurance Website: www.nd.gov/ndins

Percentage Fee Restrictions: None – Contract Must Be Approved By Commissioner.

Licensed Public Adjuster Lookup: sbs.naic.org/solar-external-lookup: Select North Dakota as Jurisdiction. Select Consultant as License Type.

Ohio Public Adjusters
Licensing: Public Adjuster Certificate of Authority Required.

State Department of Insurance Website: www.insurance.ohio.gov

Percentage Fee Restrictions: None – Contract Must Be Approved By Commissioner.

Licensed Public Adjuster Lookup: gateway.insurance.ohio.gov/UI/ODI.Agent.Public.UI/OtherLicenseSearch.mvc/DisplaySearch

Oklahoma Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: www.ok.gov/oid

Percentage Fee Restrictions: 10% Limit for Catastrophes (Does not apply to for profit commercial entities).

Licensed Public Adjuster Lookup: sbs.naic.org/solar-external-lookup: Select Oklahoma as Jurisdiction. Select Public Adjuster as License Type.

Oregon Public Adjusters
Licensing: Adjuster License Required.

State Department of Insurance Website: dfr.oregon.gov

Percentage Fee Restrictions: None.

Licensed Public Adjuster Lookup: sbs.naic.org/solar-external-lookup: Select Oregon as Jurisdiction. Select Adjuster as License Type.

Pennsylvania Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: www.insurance.pa.gov

Percentage Fee Restrictions: None.

Licensed Public Adjuster Lookup: Individual: apps02.ins.pa.gov/producer/ilist1.asp Firm/Agency: apps02.ins.pa.gov/producer/alist1.asp

Rhode Island Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: dbr.state.ri.us/divisions/insurance

Percentage Fee Restrictions: 10% Limit.

Licensed Public Adjuster Lookup: Individual: sbs.naic.org/solar-external-lookup: Select Rhode Island as Jurisdiction. Select Public Adjuster as License Type.

South Carolina Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: doi.sc.gov

Percentage Fee Restrictions: None.

Licensed Public Adjuster Lookup: online.doi.sc.gov/Eng/Public/Queries/IndvdlLicSrch.aspx

South Dakota Public Adjusters
Licensing: No License Required.

State Department of Insurance Website: dlr.sd.gov/insurance

Percentage Fee Restrictions: None.

Licensed Public Adjuster Lookup: N/A

Tennessee Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: www.tn.gov/commerce/insurance.html

Percentage Fee Restrictions: 15% Limit.

Licensed Public Adjuster Lookup: sbs-tn.naic.org/Lion-Web/jsp/sbsreports/AgentLookup.jsp

Texas Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: www.tdi.texas.gov

Percentage Fee Restrictions: 10% Limit.

Licensed Public Adjuster Lookup: txapps.texas.gov/NASApp/tdi/TdiARManager

Utah Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: insurance.utah.gov

Percentage Fee Restrictions: None.

Licensed Public Adjuster Lookup: secure.utah.gov/agent-search/search.html

Vermont Public Adjusters
Licensing: Public Adjuster License Required – Requires 2 Years of Experience or Supervision.

State Department of Insurance Website: www.dfr.vermont.gov

Percentage Fee Restrictions: None.

Licensed Public Adjuster Lookup: www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y: Select Vermont as Jurisdiction. Select Public Adjuster as License Type.

Virginia Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: www.scc.virginia.gov/boi

Percentage Fee Restrictions: 10% Limit for Catastrophes.

Licensed Public Adjuster Lookup: www.scc.virginia.gov/boi/ConsumerInquiry/Search.aspx

Washington Public Adjusters
Licensing: Public Adjuster License Required – Requires 12 Months Experience or Approved Trainee/Education Program.

State Department of Insurance Website: www.insurance.wa.gov

Percentage Fee Restrictions: None.

Licensed Public Adjuster Lookup: fortress.wa.gov/oic/consumertoolkit/Search.aspx

West Virginia Public Adjusters
Licensing: Public Adjuster License Required.

State Department of Insurance Website: www.wvinsurance.gov

Percentage Fee Restrictions: None.

Licensed Public Adjuster Lookup: sbs-wv.naic.org/Lion-Web/jsp/sbsreports/AgentLookup.jsp

Wisconsin Virginia Public Adjusters
Licensing: No License Required.

State Department of Insurance Website: oci.wi.gov

Percentage Fee Restrictions: None.

Licensed Public Adjuster Lookup: N/A

Wyoming Public Adjusters
Licensing: License Required For Insurance Consultants Which Includes Public Adjusters.

State Department of Insurance Website: doi.wyo.gov

Percentage Fee Restrictions: None.

Licensed Public Adjuster Lookup: www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y