Interactive map
Adjuster license reciprocity map
Choose the license you hold or plan to get. The map shows where it lets you get a nonresident license, where you need nothing at all, and where you face a separate exam or special rules. Tick the states you want to work in to total the nonresident fees.
License type
Your license Nonresident license, usually no exam No license needed Own exam or special rules Check state page
With a Texas DHS license: 29 states issue nonresident licenses, 14 need no license, 4 require their own exam or have special rules, and 3 need a closer look.
Nonresident fees for the states you ticked
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State by state
| State | With your license | Nonresident fee | Notes | |
|---|---|---|---|---|
| Alabama | Nonresident license available, usually without an exam | $110 | DetailsNonresidents licensed in their home state apply through NIPR without an Alabama exam, except residents of California, Hawaii and New York, who must pass the Alabama exam (effective 9-8-2014). DHS licenses are accepted when the applicant has an active nonresident adjuster license on the Producer Database and no active resident adjuster license (NIPR). | |
| Alaska | Nonresident license available, usually without an exam | $75 | DetailsNonresidents properly licensed in their home state apply through NIPR with no Alaska exam (AS 21.27.270(h)). DHS licenses are accepted only for applicants residing in a non-licensing state (Division lists CO, DC, IL, TN, KS, MA, MD, VA, MO, ND, NE, WI, NJ, OH, PA, SD) and only when the DHS license was issued by a state with substantially similar requirements (background check, exam and CE): AL, DE, FL, GA, ID, IA, LA, MN, NV, NM, TX, UT, WA, WV, WY. | |
| Arizona | Check the state page | $120 | DetailsNonresidents who hold a resident adjuster license in their home state do not take the Arizona exam; on NIPR they apply for the 'Limited to Resident Authority' line. Nonresidents without a resident license (for example from a state that does not license adjusters) must pass PSI Series 13-36 and apply for the full 'Adjuster' line within one year of passing. | |
| Arkansas | Nonresident license available, usually without an exam | $120 | DetailsNonresidents licensed in their home state apply through NIPR. DHS licenses are accepted if the applicant holds an active nonresident license in the DHS state, passed that state's exam and holds no active resident adjuster license. An exam is required only when designating Arkansas itself as home state. | |
| California | No reciprocity: own exam or special rules | $311 | DetailsNo exam reciprocity: nonresident Independent Adjuster applicants must have passed the California exam (verified by CDI after submission), hold an equivalent resident or DHS adjuster license elsewhere, file the $2,000 bond and may need fingerprints (NIPR). California cannot be selected as a designated home state. | |
| Colorado | No license needed for company or independent adjusters | DetailsNot applicable: Colorado issues no independent adjuster license (NIPR lists only the Non-Resident Public Adjuster license). | ||
| Connecticut | Nonresident license available, usually without an exam | $130 | DetailsThe Commissioner may waive the exam for nonresidents holding an equivalent license from another state (CGS 38a-792(a)(2)). DHS licenses are accepted when the applicant has an active nonresident adjuster license and no active resident adjuster license (NIPR). | |
| Delaware | Nonresident license available, usually without an exam | $125 | DetailsNonresidents licensed in a home state where they passed an exam apply online through NIPR (18 Del. C. 1708, 1717). Nonresidents whose home or designated home state has no adjuster exam must pass the Delaware exam. Applicants holding only a nonresident license because their home state doesn't license adjusters may designate that nonresident state as domicile. Applicants licensed nowhere must pass the Delaware exam and submit state and FBI criminal history reports with Form 2A. | |
| District of Columbia | No license needed for company or independent adjusters | DetailsNot applicable: NIPR lists only a Public Adjuster license for DC. | ||
| Florida | Nonresident license available, usually without an exam | $55 | Details7-20 Non-Resident All-Lines Adjuster: no exam if the applicant holds a company or independent adjuster license (resident or nonresident) from a state Florida reciprocates with, per DFS's reciprocity list. Otherwise the exam is waived by an approved designation, insurance degree or General Lines license, or the applicant takes the Florida exam. Per NIPR, a DHS from AL, AK, AR, GA, IN, KY, LA, MN, MS, MT, NH, NC, OK, TX, UT or WY is accepted when the applicant holds no resident adjuster license. Fingerprints are required unless submitted within the prior 12 months (48 months for current licensees), per NIPR. | |
| Georgia | Nonresident license available, usually without an exam | $100 | DetailsNonresidents apply through NIPR or Sircon. No Georgia exam is required, but the license holds only lines held on the home-state license (Property & Casualty, WC, Crop/Hail, Public Adjuster). NIPR accepts an Adjuster Designated Home State (ADHS) on nonresident applications. New nonresident applicants must submit a notarized Citizenship Affidavit (GID-276-EN). | |
| Hawaii | No reciprocity: own exam or special rules | $165 | DetailsNonresidents apply through NIPR ($165) but must pass the Hawaii adjuster exam: 'Pass the Hawaii insurance adjuster examination for resident and non-resident applicants.' WC adjusters must pass the Hawaii WC exam for initial applications and renewals. Crop adjusters need a CAPP card. Whether a DHS license affects eligibility was not verified, since an exam is required regardless. | |
| Idaho | Nonresident license available, usually without an exam | $80 | DetailsNonresidents apply through NIPR (Independent Adjuster or Public Adjuster, $80). NIPR's nonresident page lists no exam requirement. The ADHS (designated home state) chosen must be an active nonresident adjuster license on the PDB, and the applicant may not hold an active resident adjuster license in any state. Public adjusters cannot designate a home state. Canadian residents need a resident or home-state adjuster license in another state (41-1103). | |
| Illinois | No license needed for company or independent adjusters | DetailsIllinois does not license company (staff) adjusters or independent adjusters hired by insurers. Only public adjusters, who represent policyholders, must be licensed by the Illinois Department of Insurance under 215 ILCS 5/Art. XLV. | ||
| Indiana | Nonresident license available, usually without an exam | $90 | DetailsIC 27-1-28-17 requires a license in good standing in the home state or DHS, and that the home state license Indiana residents on the same basis. There is no Indiana exam, and the fee is $90. Nonresident lines are Property & Casualty and Workers' Compensation. The license terminates if the home-state license ends, other than through a move. | |
| Iowa | No reciprocity: own exam or special rules | $50 | DetailsIowa Code 522C.5B: nonresidents must hold a resident adjuster license in good standing in their home state, provide financial responsibility under rule 191 IAC 55.10 (for example a $50,000 bond), and pass the Iowa adjuster exam. They are exempt only if they were licensed in a state whose exam included Iowa-specific statutes and rules (522C.9). IID says nonresidents 'must successfully pass the appropriate licensing exam or must have passed the appropriate licensing exam in their resident state or DHS state.' | |
| Kansas | No license needed for company or independent adjusters | DetailsKansas does not license independent or staff (company) adjusters; no adjuster license appears among Kansas license types and Chapter 40 has no adjuster-licensing article. Only public adjusters are licensed, under the Public Adjusters Licensing Act (K.S.A. 40-5501 to 40-5519), and that license is limited to first-party claims on commercial lines policies. | ||
| Kentucky | Nonresident license available, usually without an exam | $50 | DetailsKRS 304.9-430(15): a nonresident license is issued to a person licensed in good standing in their home state, if that state licenses Kentucky residents on the same basis. No Kentucky exam is required. 'Home state' includes a designated licensing state when the state of residence does not issue the adjuster license type. NIPR accepts ADHS on nonresident applications; all adjuster transactions are deferred to the state for review. | |
| Louisiana | Nonresident license available, usually without an exam | $75 | DetailsLa. R.S. 22:1670: the nonresident must be licensed as a resident claims adjuster in good standing in a home state that reciprocates. If the home state does not require an exam, the applicant must pass the Louisiana exam. LDI accepts nonresidents licensed in their home state or designated home state via NIPR. Texas residents must upload a Texas driver's license to prove residency. Louisiana cannot be designated as home state on a Louisiana nonresident application. | |
| Maine | Nonresident license available, usually without an exam | $75 | DetailsUnder 24-A §1477, requirements are waived for nonresidents with a valid home-state license if the home state reciprocates. If the home state does not license adjusters, the applicant designates any state where they are licensed and in good standing. No certification or clearance letter is needed. The nonresident authority is issued as 'Limited to Home State'. The Bureau reviews the DHS at renewal. | |
| Maryland | No license needed for company or independent adjusters | DetailsMaryland does not license staff (company) or independent adjusters; the only adjuster license the MIA issues is the Public Adjuster license (individuals and business entities) for those who represent policyholders. | ||
| Massachusetts | Check the state page | DetailsNo company/independent adjuster license exists, so no nonresident adjuster license or DHS acceptance applies. Nonresident MVDA licensing rules were not verified. | ||
| Michigan | Nonresident license available, usually without an exam | $15 | DetailsNonresidents must be licensed in their home state (residence or principal place of business) for every line requested. If that state did not require an exam, the applicant must take the Michigan exam or prove an equivalent exam passed in another state where they are licensed. NIPR's ADHS rules let applicants whose home state does not license adjusters designate a state where they hold an active nonresident license. Apply through NIPR (NRAL); crop applicants must give the insurer's NAIC number. | |
| Minnesota | Nonresident license available, usually without an exam | $50 | DetailsNonresidents apply online (Sircon or NIPR) for P&C, WC and/or Crop lines without an exam if licensed for the same lines in another state on the basis of an adjuster exam. Residents of non-licensing jurisdictions (the DOC lists CO, DC, IA, IL, KS, MA, MD, MO, NE, ND, NJ, OH, PA, SD, TN, VA, WI) must pick a DHS: if they pick another state, Minnesota reciprocates. | |
| Mississippi | Nonresident license available, usually without an exam | $100 | DetailsNonresidents should hold an independent adjuster license in their resident state and have passed an all-lines (P&C + WC) adjuster exam, or a WC exam for the WC-only line. If their state has no comparable licensed exam, they may pass the Mississippi exam, show a nonresident license from a reciprocal state that required an exam, or file a notarized affidavit limiting them to P&C claims. Holders of a DHS license with the same or similar authority are licensed reciprocally without the MS exam. | |
| Missouri | No license needed for company or independent adjusters | DetailsMissouri does not license company (staff) or independent adjusters. DCI licenses only public adjusters and public adjuster solicitors (Chapter 325 RSMo) who adjust fire and allied-lines claims for policyholders; insurer agents and employees are excluded from the definition. | ||
| Montana | Nonresident license available, usually without an exam | $50 | DetailsResidents of states that let Montana residents act as adjusters may be licensed. A nonresident previously licensed in another state needs no prelicensing education or exam if currently licensed there (or applying within 90 days of cancellation in good standing) (MCA 33-17-301(4)). A nonresident whose home state has no adjuster licensing may designate a home state where they qualify as if a resident (33-17-301(2)(b)(ii)). Apply through NIPR. MCA 33-17-301(2)(f) also requires licensees to keep an office in Montana open to the public (a home office is allowed) and to keep records there for 5 years. | |
| Nebraska | No license needed for company or independent adjusters | DetailsNebraska does not license company (staff) or independent adjusters; the Department of Insurance requires licenses only for public adjusters (Public Adjusters Licensing Act, Neb. Rev. Stat. 44-9201 to 44-9219). | ||
| Nevada | Nonresident license available, usually without an exam | $185 | DetailsA nonresident must be licensed in good standing in their home state as an independent adjuster (the DOI page also mentions a workers' comp line), or qualify as a Nevada resident. Nevada is reciprocal with, and accepts a DHS license from, any state that requires an exam for its adjuster/DHS adjuster license. DHS holders apply through Sircon without the exam. Apply via Sircon or NIPR. | |
| New Hampshire | Nonresident license available, usually without an exam | $75 | DetailsNonresidents need no exam if licensed as adjusters in their resident or designated home state, or, where their state does not license adjusters, if they have 6 months of verifiable adjusting experience (RSA 402-B:5). Apply via NIPR; nonresidents may not have a New Hampshire residence address. A nonresident license stays in effect while the home-state license is in good standing and fees are paid. | |
| New Jersey | No license needed for company or independent adjusters | DetailsNew Jersey does not license company (staff) or independent adjusters who work for insurers. Only public adjusters, who represent policyholders, must be licensed by DOBI under the Public Adjusters' Licensing Act (N.J.S.A. 17:22B-1 et seq.). | ||
| New Mexico | Nonresident license available, usually without an exam | $30 | DetailsNonresidents need an active resident or DHS adjuster license of the same type, in a state that requires an exam (no NM exam then). Per OSI Bulletin 2024-019, NM accepts DHS licenses only from AL, AR, FL, ID, IN, KY (independent adjusters only), LA, MN, MT, NH, NC, NV, OK, TX, UT, WA, WV, WY, and will not accept a DHS from AZ, CT, HI, ME, MI, NY, SC or VT. | |
| New York | No reciprocity: own exam or special rules | DetailsDFS/PSI: 'There is no reciprocity in regard to licensing adjusters. All adjuster applicants must pass the New York examination.' Nonresidents can be licensed (no NY residency requirement) but must pass the NY exam for each class within 2 years before applying, submit fingerprints (mailed cards), and apply. A home-state or DHS license from another state does not waive the NY exam. | ||
| North Carolina | Nonresident license available, usually without an exam | $169 | DetailsNonresident Adjuster license through NIPR, based on a resident or DHS adjuster license (state fee $169). To designate a DHS you must hold an active nonresident adjuster license on the PDB and no active resident adjuster license. From October 10, 2025, residents of California, Hawaii and New York must pass the NC adjuster exam, and applicants may not designate CA, HI or NY as their DHS. Holding an active P/C/personal lines agent license blocks a nonresident adjuster license. | |
| North Dakota | No license needed for company or independent adjusters | DetailsNorth Dakota does not license private, staff or independent adjusters who represent insurers ('Independent or staff adjusters representing an insurance company do not require licensing in North Dakota'). Since July 1, 2019, public adjusters who represent policyholders must be licensed under N.D.C.C. ch. 26.1-26.8. | ||
| Ohio | No license needed for company or independent adjusters | DetailsOhio does not license company/staff or independent adjusters who represent insurers: ORC 3951.01(E) excludes insurer employees and 'any independent adjuster representing an insurer'. Public Insurance Adjusters (PIA) and their employees, Public Insurance Adjuster Agents (PIAA), must be licensed under ORC Chapter 3951. | ||
| Oklahoma | Nonresident license available, usually without an exam | $30 | DetailsNonresidents are licensed without the OK exam if they passed an exam in, and are in good standing in, their home state, and that state is reciprocal (36 O.S. §6205). OK accepts DHS licenses only from AL, AR, FL, ID, IN, KY (independent only, not staff), LA, MN, MS, MT, NH, NC, TX, UT, WA, WV, WY. Residents of states that license adjusters may not designate a DHS. Applicants with no qualifying home-state or DHS license must pass the OK exam. | |
| Oregon | Nonresident license available, usually without an exam | $100 | DetailsNonresidents licensed in their home state or a designated home state that grants the same privilege to Oregon adjusters can be licensed via NIPR; DFR says 'Oregon does recognize a designated home state.' Since Jan 1, 2020, OR will not renew a nonresident license for someone from a non-reciprocal state (e.g., CA, NY, HI) until they pass the Oregon adjuster exam. Residents of states that license adjusters may not designate a DHS. | |
| Pennsylvania | No license needed for company or independent adjusters | DetailsPennsylvania has no license class for company/staff or independent adjusters working for insurers; the Insurance Department licenses public adjusters (Act 21 of 2012 / Public Adjuster Licensing Law) and, separately, Motor Vehicle Physical Damage Appraisers. | ||
| Rhode Island | Nonresident license available, usually without an exam | $250 | DetailsNonresident company/independent adjusters need an active resident license or an active DHS license on the PDB, for the same lines (no RI exam). RI will reciprocate with any DHS the applicant actually holds; DHS selections are reviewed manually. Company adjusters living in a state that licenses independent adjusters must first get their resident license. Nonresident public adjusters must hold a resident public adjuster license and cannot use a DHS. | |
| South Carolina | Nonresident license available, usually without an exam | $80 | DetailsNonresidents apply through NIPR using their home-state license. If the home state does not require an adjuster exam, the applicant may use an exam certificate from another state where they are licensed and passed an adjuster exam, or take the SC exam. NIPR's SC rules allow an Adjuster Designated Home State (ADHS) if the applicant holds no active resident adjuster license in any state; a resident producer license cannot be used as the home-state license where that state licenses adjusters. An applicant cannot hold SC adjuster and SC public adjuster licenses at the same time. | |
| South Dakota | No license needed for company or independent adjusters | DetailsThe South Dakota Division of Insurance states that it does not license property/casualty adjusters, so independent and staff adjusters need no South Dakota license or exam. South Dakota residents who want to work as independent adjusters typically get a designated home state (DHS) license from another state. | ||
| Tennessee | Check the state page | DetailsProperty/casualty adjusters (independent or staff) need no Tennessee license, so no nonresident license is needed for P&C claims. NIPR offers Tennessee nonresident licensing only for public adjusters, and Tennessee public adjusters cannot submit an ADHS electronically. How nonresident crop adjusters are licensed was not verified. | ||
| Texas | Your designated home state license | $50 | DetailsA nonresident with an active adjuster license in good standing in a reciprocal home state gets a Texas nonresident license without exam, Texas CE or fingerprints ($50, applied via Sircon). TIC 4101.001(a)(4)(B) defines 'home state' to include a state the adjuster designates when their residence state does not license adjusters, so another state's DHS can serve as the home-state license. Nonresidents also need no Texas license to adjust a single loss, catastrophe losses, or to act as a temporary substitute (TIC 4101.002(b)). | |
| Utah | Nonresident license available, usually without an exam | $75 | DetailsUtah generally reciprocates with states that license adjusters, issuing a nonresident license based on a home-state license in good standing (Utah Code 31A-26-208, which also recognizes a 'designated home state'). If the applicant's resident state does not license adjusters, Utah issues a license if the applicant passes the Utah exam or already holds a nonresident adjuster license in another state, using the NAIC Uniform Application by email or fax instead of NIPR/Sircon. | |
| Vermont | Nonresident license available, usually without an exam | DetailsNonresidents must hold a similar license in their home state and apply electronically through NIPR. P&C and crop nonresident licenses need no Vermont exam, but all workers' compensation adjusters, nonresidents included, must pass the Vermont written exam. An ADHS may be designated only if the applicant's resident state does not issue resident adjuster licenses, the applicant holds no active resident adjuster license anywhere, and the DHS state shows an active nonresident adjuster license on the PDB. Public adjusters cannot designate a home state. | ||
| Virginia | No license needed for company or independent adjusters | DetailsVirginia does not license independent or company (staff) claims adjusters. The Bureau of Insurance's exam-based licenses cover only agents, consultants and public adjusters, and the public adjuster law expressly excludes insurer adjusters and independent-contractor adjusters (Va. Code 38.2-1845.3). Only public adjusters, who represent policyholders, must be licensed. | ||
| Washington | Nonresident license available, usually without an exam | $50 | DetailsNonresidents apply online through NIPR with a home-state or designated-home-state adjuster license (RCW 48.17.380(1)(b), (4)-(5)); no exam and no fingerprints. Independent and public adjuster applicants must take both property and casualty. NIPR ADHS rules: the DHS must show an active nonresident adjuster license on the PDB, the applicant must hold no active resident adjuster license anywhere, and public adjusters cannot designate a home state. | |
| West Virginia | Nonresident license available, usually without an exam | $50 | DetailsA nonresident holding a similar home-state license is licensed on a reciprocal basis (33-12B-9) through NIPR, with no WV exam and no fingerprints. 'Home state' includes a state the adjuster designates when their residence state does not license that adjuster type (33-12B-1), and NIPR accepts ADHS filings for West Virginia. | |
| Wisconsin | No license needed for company or independent adjusters | DetailsWisconsin does not license or register independent or company (insurer-side) claims adjusters; its public adjuster law excludes anyone representing an insurer in claim settlement. Only public adjusters are regulated, through an OCI registration that began July 1, 2020 under 2019 Wisconsin Act 129. Registration is required for nonresident public adjusters and optional for residents. | ||
| Wyoming | Nonresident license available, usually without an exam | $150 | DetailsWyoming reciprocates a resident license from a state that licenses adjusters, granting the same lines unless the home state lines are narrower than property, casualty or crop. Applicants who cannot get a home-state license may use a DHS license from a state requiring an exam, fingerprints and 24 hours of CE (3 ethics) every 2 years. NIPR lists accepted ADHS states as AL, AR, FL, LA, MN, MT, NC, OK, TX, UT, ID, NV, NM, RI, WA and WV; for FL, IN or TX the applicant must hold that state's specific DHS license type. The DOI page also lists residents of states that license adjusters (including FL, TX, UT, WV) who must hold their own resident license, not a DHS. Nonresident fingerprints are not required. |
How to read this map
Blue states will generally issue you a nonresident adjuster license based on the license you selected, without another exam. Green states do not license company or independent adjusters, so you can usually work there on your existing credentials (public adjusters are a different story). Orange states either require their own exam, such as New York, or do not accept a designated home state license. Grey means our research could not confirm the rule: open the state page for the details and sources.
New to this? Start with what a designated home state license is and how to become an insurance adjuster.
Frequently asked questions
What is adjuster license reciprocity?
Reciprocity means a state will issue you a nonresident adjuster license based on the license you already hold in your home state, usually without another exam, as long as your home state treats its residents the same way. You still apply, pay the nonresident fee and keep both licenses active.
Which states offer a designated home state (DHS) license?
In our research, these states issue a DHS adjuster license to residents of states that do not license adjusters: Alabama, Alaska, Arkansas, Delaware, Florida, Georgia, Indiana, Louisiana, Maine, Michigan, Minnesota, Mississippi, Nevada, New Hampshire, New Mexico, North Carolina, Oklahoma, Rhode Island, Texas, Utah, Washington, West Virginia, Wyoming. Texas and Florida are the most common choices.
Which states do not accept reciprocity?
Our data shows these licensing states require their own exam or have special rules for nonresidents: California, Hawaii, Iowa, New York. Check each state page before you apply.
How do I apply for nonresident adjuster licenses?
Most states accept nonresident adjuster applications through NIPR (the National Insurance Producer Registry) or Sircon. You need an active home state or DHS license in good standing, and you pay each state's nonresident fee plus a transaction fee.