Licensing Required? No. However, effective January 1, 2023 (amended effective January 1, 2024): Cal. Ins. Code § 1725.5(c) requires specific resident and non-resident insurance producers, independent insurance adjusters, public insurance adjusters, and analysts to include their license number on emails involving an activity for which a license is required so consumers can confirm that the person maintains an active license with the California Department of Insurance.

Provision relating to nonresident licensing/application? Cal. Ins. Code §§ 1638.5 and 1639 CA INS § 1638.5, CA INS § 1639

Licensing exception for singular or unusual losses? Cal. Ins. Code § 14022.5 CA INS § 14022.5 creates a narrow exception that allows nonlicensed adjusters to handle claims during commissioner-declared emergencies.

Testing Required? No.

Continuing education Required? Cal. Ins. Code § 14090.1 CA INS § 14090.1 requires individual insurance adjuster license holders to complete a minimum of 24 hours of continuing education courses every two years. The emergency adjuster provision in § 14022.5 operates as a complete exception to normal licensing requirements, including continuing education.

Penalty for violation of license requirement $50,000 fine and/or imprisonment in jail. Cal. Ins. Code § 1633 CA INS § 1633

Penalty for other violations of licensing provisions Up to $500 in fines and/or license suspension or revocation. Cal. Ins. Code § 14065 CA INS § 14065

Licensing Required? Conn. Gen. Stat. § 38a-792(a)(1).

Provision relating to nonresident licensing/application? Conn. Gen. Stat. § 38a-769(a).

Licensing exception for singular or unusual losses? No.

Testing Required? Yes. Conn. Gen. Stat. § 38a-769(c). However, discretionarily waived if licensed elsewhere. Conn. Gen. Stat. § 38a-792(a)(2).

Continuing education Required? No.

Penalty for violation of license requirement $2,000 fine and/or up to one year in jail. Conn. Gen. Stat. §38a-792(c).

Penalty for other violations of licensing provisions Suspension, revocation, $2,000 fine and/or up to one year in jail. Conn. Gen. Stat. §§ 38a-774(a), 38a-792(c).

Licensing Required? 18 Del. C. § 1703.

Provision relating to nonresident licensing/application? 18 Del. C. § 1708.

Licensing exception for singular or unusual losses? Yes. No license required for investigating "particularly unusual or extraordinary loss." 18 Del. C. § 1707(e)(1). Temporary license may be issued for up to 180 days if the Insurance Commissioner deems it necessary for servicing of insurance business. 18 Del. C. §1711

Testing Required? Yes. 18 Del. C. § 1705. However, waived if licensed elsewhere, home state requires examination, and home state reciprocates. 18 Del. C. §§ 1708(a), 1709, 1717(a).

Continuing education Required? Yes. 18 Del. C. § 1718. However, waived if licensed elsewhere and home state reciprocates. 18 Del. C. § 1717(b).

Penalty for violation of license requirement Fine between $200 and $20,000 per violation. 18 Del. C. §§ 1712, 1707(g).

Penalty for other violations of licensing provisions Probation, suspension, revocation, fine between $200 and $20,000 per violation. 18 Del. C. §§ 1712, 1707(g).

Licensing Required? Fla. Stat. Ann. § 626.112(1)(a). "No person may be, act as, or advertise or hold himself or herself out to be an insurance agent, insurance adjuster, or customer representative unless he or she is currently licensed by the department and appointed by an appropriate appointing entity or person."

Provision relating to nonresident licensing/application? Fla. Stat. Ann. §§ 626.8582, 626.8732.

Licensing exception for singular or unusual losses? Yes. Allows for "emergency" or "catastrophe" adjuster to be designated and certified to the department under fixed conditions for the period of the emergency. Fla. Stat. Ann. §§ 626.859, 626.874. Exemption for attorneys licensed to practice in Florida to act as adjuster. Fla. Stat. Ann. § 626.860.

Testing Required? Yes. Fla. Stat. Ann. §§ 626.241, 626.8732. However, waived if completed similar exam in home state or was licensed before test was required, or if meets certain qualification or education requirements. Fla. Stat. Ann. § 626.221(2).

Continuing education Required? Yes. Fla. Stat. Ann. §§ 626.869, 626.2815. However, waived if requirement met in home state or other state, and that state reciprocates. Fla. Stat. Ann. § 626.2815(6). Waived for renewal of limited license, including marine, if licensed prior to October 1, 1990. Fla. Stat. Ann. § 626.869(2).

Penalty for violation of license requirement Knowingly transacting without a license consitutes third degree felony punishable by up to $5,000 fine or "nonstate prison sanction" such as probation, house arrest, county jail, or diversionary program. Fla. Stat. Ann. § 626.112(9).

Penalty for other violations of licensing provisions Probation, suspension, revocation, and/or fine up to $500, or $3,500 for willful violation. Fla. Stat. Ann. §§ 626.681(1), 626.207.

Licensing Required? Ky. Rev. Stat. § 304.9-080(2)

Provision relating to nonresident licensing/application? Ky. Rev. Stat. § 304.9-430(14)

Licensing exception for singular or unusual losses? Yes. Allows for licensing exemption to investigate and/or adjust "particular loss resulting from a catastrophe, or for…a series of losses resulting from a catastrophe common to all losses." Ky. Rev. Stat. § 304.9-430(10)(a). Allows for temporary registration for emergency independent or staff adjusters in the event of a catastrophe declared in Kentucky. Ky. Rev. Stat. § 304.9-430(13).

Testing Required? Yes. Ky. Rev. Stat. § 304.9-430(2)(c)(5). However, waived if licensed elsewhere and home state reciprocates. Ky. Rev. Stat. § 304.9-430(15)(b)(1)-(5).

Continuing education Required? Yes. Ky. Rev. Stat. § 304.9-295. However, waived if requirement met in home state and home state reciprocates. Ky. Rev. Stat. § 304.9-295(3)(c).

Penalty for violation of license requirement Fine up to $2,000, or fine of greater of $100 or twice the amount of the gain from the commission of the violation. Ky. Rev. Stat. §§ 304.9-440(1), 304.99-020(1), 304.9-436, 304.99-010.

Penalty for other violations of licensing provisions Probation, suspension, revocation, or fine up to $2,000, or fine of greater of $100 or twice the amount of the gain from the commission of the violation. Ky. Rev. Stat. §§ 304.9-440(1), 304.99-020(1), 304.9-436, 304.99-010.

Licensing Required? La. Stat. Ann. § 22:1543

Provision relating to nonresident licensing/application? La. Stat. Ann. § 22:1548

Licensing exception for singular or unusual losses? Yes. No license required for catastrophe or emergency claims adjuster, subject to registration with commissioner. Catastrophe/emergency adjuster license effective for up to 180 days, with possibility to extend by 90 days with permission of commissioner of insurance. La. Stat. Ann.-R.S. § 22:1667.

Testing Required? Yes. La. Stat. Ann.-R.S. § 22:1668. However, waived if licensed in another state and passed an examination there. La. Stat. Rev.-R.S. § 22:1670(A)(1).

Continuing education Required? Yes. However, waived if requirement is met in home state and home state reciprocates. La. Rev. Stat.-R.S. § 22:1673(B)(2).

Penalty for violation of license requirement Fine up to $500 per violation, up to aggregate of $10,000 per calendar year. La. Rev. Stat.-R.S. § 22:1672(A).

Penalty for other violations of licensing provisions Suspension, revocation, or fine up to $500 per violation, up to aggregate of $10,000 per calendar year. La. Rev. Stat.-R.S. § 22:1672(A).

Licensing Required? N.H. Rev. Stat. § 402-B:1.

Provision relating to nonresident licensing/application? N.H. Rev. Stat. § 402-B:3.

Licensing exception for singular or unusual losses? Yes. In the event of an emergency or disaster, the commissioner of insurance may issue license to qualified persons, at commissioner's discretion. N.H. Rev. Stat. § 402-B:11.

Testing Required? Yes. N.H. Rev. Stat. § 402-B:4. Waived if licensed elsewhere, and waived for attorneys-at-law. N.H. Rev. Stat. Ann. § 402-B:5 "The commissioner of insurance shall not issue an original claims adjuster's license to any applicant therefor unless and until said applicant shall have satisfactorily passed a reasonable written examination." N.H. Rev. Stat. Ann. § 402-B:4

Continuing education Required? Yes. However, waived if requirement met in home state or designated home state. Every two years, adjusters must complete 24 hours of continuing education, at least 3 hours must consist of ethics credit N.H. Rev. Stat. Ann. § 402-B:5-a N.H. Rev. Stat. § 402-B:5-a.

Penalty for violation of license requirement Misdemeanor offense for natural person, or felony if other person, and fine up to $2,500 for each violation. N.H. Rev. Stat. § 402-B:13.

Penalty for other violations of licensing provisions Suspension, revocation, Misdemeanor offense for natural person, or felony if other person, and fine up to $2,500 for each violation. N.H. Rev. Stat. § 402-B:13.

Licensing Required? N.M. Stat. Ann. § 59A-13-3(A).

Provision relating to nonresident licensing/application? N.M. Stat. Ann. §§ 59A-11-2, 59A-11-3.

Licensing exception for singular or unusual losses? Yes. Superintendent may issue a temporary license due to catastrophe or emergency requiring immediate expansion of adjuster services in state. N.M. Stat. Ann. § 59A-13-6.

Testing Required? N.M. Stat. Ann. § 59A-13-3.1 Applicants must personally take and pass a written examination before license issuance. However, this required is waived waived for license renewal or if an applicant is already licensed in another state and took and passed a similar examination (reciprocity).

Continuing education Required? Licensees must attend a minimum number of hours of formal class instruction, lectures, or seminars during the twenty-four months preceding license expiration. N.M. Stat. Ann. § 59A-13-12. The specific number of hours is to be determined by the superintendent.

Penalty for violation of license requirement Unless defined as felony by other state law, petty misdemeanor with fine not to exceed $500, administrative penalty up to $5,000 for each violation, but up to $10,000 per violation if willful and intentional. N.M. Stat. Ann. § 59A-1-18.

Penalty for other violations of licensing provisions Suspension, revocation or fine between $100-$500, plus misdemeanor offense and fine up to $500 for willful misrepresentation unless offense is punishable as a greater offense under other state law, N.M. Stat. Ann. §§ 59A-11-14, 11-17, 11-21. Unless defined as felony by other state law, petty misdemeanor with fine not to exceed $500, administrative penalty up to $5,000 for each violation, but up to $10,000 per violation if willful and intentional. N.M. Stat. Ann. § 59A-1-18.

Licensing Required? 36 Okl. Stat. Ann. § 6203, 6216(A), 6220(E). Exempt if "occasionally" in Okl. to adjust marine losses. 36 Okl. Stat. Ann. § 6203(3).

Provision relating to nonresident licensing/application? 36 Okl. Stat. Ann. § 6205.

Licensing exception for singular or unusual losses? Yes. In the event of a catastrophe, declared an emergency by the Insurance Commission, the Commissioner may issue emergency adjuster licenses to adjust claims related to the catastrophe. 36 Okl. Stat. Ann. 6218(A). No license required for a nonresident who is "occasionally" in OK to adjust single loss or losses under marine policy, or a nonresident adjuster, licensed in another state, who is in OK no more than once a year to adjust a single loss or losses "arising out of an occurrence common to all such losses" or who is acting as a temporary substitute for a licensed adjuster. 36. Okl. St. Ann. 6203(3), 6203(8).

Testing Required? Yes. However, waived if licensed in a state requiring license exam. 36 Okl. Stat. Ann. §§ 6205(B), 6205(C), 6208(B)(2).

Continuing education Required? Yes. 36 Okl. Stat. Ann. § 6217(B). However, waived if licensed in designated home state with continuing education requirement. Okl. Admin. Code § 365:25-3-14(c).

Penalty for violation of license requirement Fine up to $1,000 per violation. Punishable as misdemeanor if no greater penalty provided, generally. 36 Okl. Stat. Ann. §§ 6220(A), 6220(B), 117.

Penalty for other violations of licensing provisions Censure, suspension, or revocation and/or fine up to $1,000 per violation. 36 Okl. Stat. Ann. §§ 6220(A), (B).

Licensing Required? R.I.G.L. 1956, § 27-10-1.2.

Provision relating to nonresident licensing/application? R.I.G.L. 1956, § 27-10-7.1

Licensing exception for singular or unusual losses? Yes. Allows for emergency adjuster in the event of declared catastrophe, and emergency adjuster licenses for up to 90 days, unless extended by insurance department. R.I.G.L. 1956, § 27-10-8.

Testing Required? Yes. R.I.G.L. 1956, §§ 27-10-3, 27-10-6. Waived if licensed in another state and in good standing. R.I.G.L. 1956, § 27-10-7

Continuing education Required? No.

Penalty for violation of license requirement Cease and desist order, fine between $100 and $50,000. R.I.G.L 1956, §§ 27-10-11, 42-14-16.

Penalty for other violations of licensing provisions Suspension, revocation, cease and desist order, fine between $100 and $50,000. R.I.G.L 1956, §§ 27-10-11, 42-14-16.

Licensing Required? S.C. Code §§ 38-47-10(A), 38-48-20.

Provision relating to nonresident licensing/application? S.C. Code §§ 38-47-20, 38-48-40. S.C. Code Regs. § 69-23.

Licensing exception for singular or unusual losses? Yes. Allows for emergency nonresident adjusters in the event of a catastrophe when there are insufficient licensed adjusters in SC to handle claims expeditiously, where non-resident adjusters are licensed in home state, handle adjustments arising out of the catastrophe and remain only for the period necessary to assist in adjustments. S.C. Code Regs. § 69-1.

Testing Required? Yes. S.C. Code Regs. § 69-23. However, waived if licensed in a state requiring license exam, or if CPCU or CLU designated. However, required is waived if adjuster is licensed in a state requiring license exam or if CPCU OR CLU or designated already licensed in their home state or at the Director's discretion for applicants who were previously licensed (within 90 days) for the same kinds of insurance if that license, as long as that license was not suspended or canceled.

Continuing education Required? No.

Penalty for violation of license requirement Misdemeanor with a fine of not more than $10,000 or imprisonment for two years, or both. S.C. Code §§ 38-2-30, 38-47-60, 38-48-130.

Penalty for other violations of licensing provisions Suspension, revocation, and/or fine up to $2,500, or $5,000 if willful violation, plus any other criminal penalties. S.C. Code § 38-2-10.

Licensing Required? Tex. Code Ann., Ins. Code §§ 4101.051, 4102.051(a).

Provision relating to nonresident licensing/application? Tex. Code Ann., Ins. Code § 4101.004.

Licensing exception for singular or unusual losses? Yes. No license required for nonresident adjuster to adjust a single loss in TX, losses arising out of a catastrophe common to all losses, or as a temporary substitute for licensed adjuster. Tex. Code Ann., Ins. Code § 4101.002(b). Allows for emergency adjuster license, in the event of a catastrophe or emergency arising out of "a disaster, act of God, riot, civil commotion, conflagration, or other similar occurrence." Such emergency adjuster licenses are valid for up to 90 days, unless extended by the commissioner for an additional period of 90 days. Tex. Code. Ann., Ins. Code § 4101.101.

Testing Required? Yes. Tex. Code. Ann., Ins. Code §§ 4101.053(a)(3), 4101.054. However, waived if licensed in another state with reciprocal agreement. Tex. Code. Ann., Ins. Code §§ 4101.056(a)(3), 4101.004.

Continuing education Required? Yes. Tex. Code. Ann., Ins. Code § 4101.059. However, waived if requirement met in home state. 28 Tex. Admin. Code § 19.1004(d). Tex. Code Ann., Ins. Code §§ 4101.004, 4101.060(c).

Penalty for violation of license requirement Misdemeanor offense punishable by a fine of $500 and/or up to six months in jail. Tex. Code Ann., Ins. Code §§ 4101.201-203.

Penalty for other violations of licensing provisions Suspension, revocation, misdemeanor offense, fine of $500 and/or up to six months in jail. Tex. Code Ann., Ins. Code §§ 4101.201-203.

Licensing Required? 8 Vt. Stat. Ann. § 4793(a). No license required for marine-average adjuster. 8 Vt. Stat. Ann. § 4803(d)(2).

Provision relating to nonresident licensing/application? 8 Vt. Stat. Ann. § 4800(3)

Licensing exception for singular or unusual losses? Yes. No license required for adjuster sent into VT on behalf of insurer for "particularly unusual or extraordinary loss, or a series of losses resulting from a catastrophe common to all such insurers." 8 Vt. Stat. Ann. § 4803(d)(2). No license required for marine-average adjuster. 8 Vt. Stat. Ann. § 4803(d)(2).

Testing Required? Yes. 8 Vt. Stat. Ann. § 4800(3)(D), 4803(a)(3). May be discretionarily waived if licensed elsewhere. 8 Vt. Stat. Ann. § 4800(3)(B)(iv).

Continuing education Required? No.

Penalty for violation of license requirement Fine between $500 and $2,500. 8 Vt. Stat. Ann. § 4804(d).

Penalty for other violations of licensing provisions Denial, suspension, revocation, and/or fine between $500 and $2,500. 8 Vt. Stat. Ann. §§ 4804(a),(d).

Licensing Required? W. Va. Code § 33-12B-2.

Provision relating to nonresident licensing/application? W. Va. Code § 33-12B-9, W. Va. Code St. R. § 114-25-11.1.

Licensing exception for singular or unusual losses? Yes. "In the event of a declared insurance emergency," W.V. insurance commissioner allows for an emergency adjuster license, in the event of a catastrophe or emergency, not to exceed 90 days, unless extended by the commissioner. W. Va. Code §§ 33-12B-4. "Claims arising out of a particular loss of unique or unusual character may be adjusted by a non-licensed adjuster upon registration with the commissioner," with supervision by a licensed adjuster or authorized insurance company, and limited to three losses within any twelve-month period. W. Va. Code St. R. § 114-25-3.4.

Testing Required? Yes, at commissioner's discretion. W. Va. Code § 33-12B-5(b)(1). However, waived if home state has same requirements for WV resident and home state required a similar exam. W. Va. Code § 33-12B-9; W. Va. Code St. R. § 114-25-18.1.

Continuing education Required? No.

Penalty for violation of license requirement Fine up to $1,000 per violation shall be paid within 30 days of penalty imposed by commissioner. W. Va. Code. § 33-12B-11.

Penalty for other violations of licensing provisions Probation, suspension, revocation, and/or up to $1,000 fine per violation (to be paid within 30 days of penalty being imposed by commissioner). W. Va. Code. § 33-12B-11.

Licensing Required? W.S. 1977 § 26-9-219(a)

Provision relating to nonresident licensing/application? Requires that applicants "Be a resident of Wyoming or of another state which permits residents of Wyoming to act as adjusters in that state" W.S. 1977 § 26-9-219.

Licensing exception for singular or unusual losses? Yes. License required unless "loss is of an unusual, uncommon or unique nature requiring special expertise or knowledge not readily available among adjusters licensed in [WY], or for the adjustment of a series of losses resulting from a catastrophe common to those losses" with prior notice of unlicensed adjuster to commissioner. W.S. 1977 § 26-9-219(c).

Testing Required? Yes. However, waived if licensed in home state, in good standing, and home state reciprocates. W.S. 1977 § 26-9-219(b)(vi).

Continuing education Required? Yes. W.S. 1977 § 26-9-231. Must complete 24 classroom hours within each licensing period (at least three hours relating to ethical requirements). However, waived if requirement met in home state. W.S. 1977 § 26-9-231(f).

Penalty for violation of license requirement Discretionary penalties imposed by Wyoming Department of Insurance. W.S. 1977 § 26-9-211(c). Could face fines of up to $1,000 per offense or $10,000 annual aggregate. WY ST § 26-1-107.

Penalty for other violations of licensing provisions Discretionary penalties imposed by Wyoming Department of Insurance. W.S. 1977 § 26-9-211(c).