Oregon insurance adjuster license
Anyone paid to investigate, negotiate or settle first- or third-party claims on Oregon risks needs an Oregon adjuster license (ORS 744.505). Exempt are licensed resident producers and people employed by an authorized insurer and authorized in writing to adjust its losses, so staff adjusters are generally exempt (ORS 744.515). Public adjusters hold a separate Public Adjuster license class.
Some details on this page could not be confirmed on the regulator's own website. Check with the Oregon Department of Consumer and Business Services, Division of Financial Regulation (DFR) before you apply, and tell us if anything has changed.
How to get licensed in Oregon, step by step
- Choose the license you need. Oregon issues Adjuster - General Lines, Adjuster - Health, Adjuster - Crop. Most new independent adjusters start with the Adjuster - General Lines license.
- Pass the state exam (12-07). It is given by PSI: 150 questions in 150 minutes, passing score 70%, fee $45. Some applicants can skip it (see exemptions below). Practice first with our Oregon General Lines Adjuster practice test.
- Submit fingerprints for the criminal background check if your application type requires them (see fees below).
- Apply for the license with the Oregon Department of Consumer and Business Services, Division of Financial Regulation (DFR) and pay the $100 license fee.
- Keep it active. Complete 24 hours of continuing education, including 3 hours of ethics, every 2 years and renew on time (license term: 2 years; e).
Oregon adjuster license types
| License | Covers | Exam | Prelicensing |
|---|---|---|---|
| Adjuster - General Lines | Property and casualty, including marine and transportation and surety (ORS 744.531) | Required Exam waived for applicants licensed in their previous state who apply within 90 days of establishing Oregon residency (per NIPR state overview). | Not required |
| Adjuster - Health | Health insurance claims (insurer or health care service contractor) | Required | Not required |
| Adjuster - Crop | Crop insurance claims (exam passing score 80%) | Required | Not required |
The Oregon adjuster exam
| Vendor | PSI |
|---|---|
| Exam | Oregon Adjuster's Examination - General Lines Insurance (12-07) |
| Questions | 150 |
| Time limit | 150 minutes |
| Passing score | 70% |
| Exam fee | $45 |
| Candidate handbook | Official handbook (PDF) |
License fees
- Resident license: $100
- Nonresident license: $100
State fee per NIPR is $100 per adjuster or public adjuster application, and $100 to add a line. NIPR transaction fees are extra. PSI exam fee is $45 each for 12-06 Health, 12-07 General Lines and 12-15 Crop. Residents are fingerprinted at a PSI Oregon test center or through Fieldprint Oregon; fee not stated. An adjuster license may not be held at the same time as any other license type.
License term: 2 years; e.g., a license issued in January 2020 expires January 31, 2022 (last day of the renewal month). Late renewal allowed for 1 year after expiration at double the fee.
Continuing education
Oregon adjusters need 24 hours of continuing education, including 3 hours of ethics, every 2 years (each renewal cycle).
Since Jan 1, 2020 (ORS 744.521) resident and nonresident individual adjusters must complete 24 hours, including 3 ethics. Residents also need 3 hours of Oregon law; nonresidents may substitute 3 hours of their home state's law. Producer CE counts. Nonresidents whose home state requires fewer hours must make up the difference to 24.
Nonresident adjusters, reciprocity and DHS
Nonresidents 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.
Designated home state license: No Oregon DHS program was found. A resident license requires establishing a residence or place of business in Oregon (ORS 744.525), and NIPR says applicants may not select Oregon as their adjuster DHS. Oregon accepts other states' DHS licenses.
See every state's rules side by side on the adjuster license reciprocity map.
Emergency and catastrophe adjusters
ORS 744.555: after a Governor-declared catastrophe with widespread property loss, DFR may issue a temporary permit to anyone authorized in another state to adjust for an authorized insurer. The permit lasts 90 days or longer if DFR decides, and must be obtained within 5 days of deployment (ORS 744.515(2)(c)). Temporary permits may also be issued for a single loss to someone licensed in their home or DHS state.
Public adjusters in Oregon
Separate Public Adjuster license class: PSI exam 12-12 (100 questions, 120 minutes, 70%), state fee $100, same CE as adjusters. Bond/financial responsibility requirement not verified.
Insurance adjuster salary in Oregon
| Claims adjusters, examiners and investigators | Oregon | United States |
|---|---|---|
| Mean annual wage | $84,720 | $80,470 |
| Median annual wage | $81,640 | $78,000 |
| 10th to 90th percentile | $56,320 to $117,380 | $48,850 to $117,040 |
| Employment | 2,950 | 324,230 |
Frequently asked questions
Do you need a license to be an insurance adjuster in Oregon?
Anyone paid to investigate, negotiate or settle first- or third-party claims on Oregon risks needs an Oregon adjuster license (ORS 744.505). Exempt are licensed resident producers and people employed by an authorized insurer and authorized in writing to adjust its losses, so staff adjusters are generally exempt (ORS 744.515). Public adjusters hold a separate Public Adjuster license class.
How much does an adjuster license cost in Oregon?
In Oregon, the exam fee is $45, the resident license fee is $100. Fees change, so confirm current amounts with the Oregon Department of Consumer and Business Services, Division of Financial Regulation (DFR).
Can a nonresident get an adjuster license in Oregon?
Nonresidents 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.
How many continuing education hours do Oregon adjusters need?
24 hours, including 3 hours of ethics, every 2 years (each renewal cycle). Since Jan 1, 2020 (ORS 744.521) resident and nonresident individual adjusters must complete 24 hours, including 3 ethics. Residents also need 3 hours of Oregon law; nonresidents may substitute 3 hours of their home state's law. Producer CE counts. Nonresidents whose home state requires fewer hours must make up the difference to 24.
How much do insurance adjusters make in Oregon?
According to the U.S. Bureau of Labor Statistics, claims adjusters, examiners and investigators in Oregon earned a mean of $84,720 a year in May 2025, with a median of $81,640. The national mean was $80,470. Independent catastrophe adjusters are paid by fee schedule and can earn more or less than this.
Official Oregon resources
Regulator: Oregon Department of Consumer and Business Services, Division of Financial Regulation (DFR)
Sources
- dfr.oregon.gov/business/licensing/insurance/license-types/Pages/adjusters.aspx
- web.archive.org/web/20260519013639/https://dfr.oregon.gov/business/licensing/insurance/lic
- dfr.oregon.gov/business/licensing/training-ce/req/Pages/index.aspx
- dfr.oregon.gov/business/licensing/insurance/Pages/producer-licensing.aspx
- dfr.oregon.gov/business/licensing/training-ce/Documents/candidate-bulletin.pdf
- proctor2.psionline.com/media/programs/or%20ins/12-07.pdf
- proctor2.psionline.com/media/programs/or%20ins/12-12xx.pdf
- oregonlegislature.gov/bills_laws/ors/ors744.html
- nipr.com/licensing-center/state-requirements/oregon-non-resident-adjuster-licensing-indivi
- nipr.com/licensing-center/state-requirements/oregon-resident-licensing-individual
- nipr.com/licensing-center/state-information/oregon
Adjuster license requirements in other states
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