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CA Department of Insurance
CA Department of Insurance
CA Department of Insurance

Insurance Adjuster

License Information

Applicable Forms:

Candidate Information Bulletin

Authorizing Act:

California Insurance Code (Cal. Ins. Code) Section 14021 reads, in part:

An insurance adjuster is a person other than a private investigator who, for any consideration whatsoever, engages in the business of making an investigation for the purpose of obtaining information in the course of adjusting or participating in the disposal of any claim in connection with a policy of insurance or engages in soliciting insurance adjustment business.


The person in charge of the business (owner, partner, officer, or an employed manager) must meet the following requirements:

  • Minimum Age: 18 years
  • Residency: Pursuant to Cal. Ins. Code Section 14029(a), the business of each licensee must be operated under the active direction, control, charge, or management of the licensee, if the licensee is qualified, or the person who has qualified to act as the licensee's manager, if the licensee is not qualified. Although the qualified manager is not required to be a resident of California, they must meet the oversight requirements pursuant to section 14029(a) stated above. 
  • Entity Types: Individual and Business Entity.
  • Prelicensing Experience/Education: Must have two years certified experience in insurance adjusting field. 2,000 hours of compensated time in the adjusting field is equal to one year of experience.
  • Continuing Education: Cal. Ins. Code Section 14090.1 was amended to establish a CE requirement of 24 hours, including 3 hours of ethics during each two year license term for a California resident independent insurance adjusters.

Filing Requirements:



Fingerprint Impressions: Fingerprint impressions are required for unlicensed applicants. If an examination is required, fingerprint impressions may be taken at the California examination sites.

Additional Documents: The Insurance Commissioner may require such other documents as will aid in determining whether the applicant meets the qualifications for a license.


The person in charge of the business (qualified manager) must pass a qualifying license examination administered by the Department.

Study Material: The Insurance Adjuster (Independent) Examination Objectives were developed as a study guide to assist in the preparation for the examination.

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  • License Application Fee - two year term: $311 per qualified manager. 
  • Examination Fee: $79. This fee will be charged when the first examination is scheduled using PSI examination scheduling service. Do not include the examination fee with the license filing fee when you submit your adjuster application.
  • Branch Office Certificate: $52
  • Fingerprints: Review Fingerprint processing link for fees.

License Term:

Insurance Adjuster licenses are issued for two year terms. Specifically, the term of the license begins the date the license is issued and ends the last day of that same calendar month two years later.

Note: Cal. Ins. Code Sections 14091 and 14094 were amended to reduce the grace period during which an expired independent insurance adjuster license or branch certificate may be renewed from five years to one year.


Required Independent Insurance Adjuster Training

Licensed independent insurance adjusters are required to complete a minimum of 24 hours of continuing education hours each two-year license term, of which 3 hours must be in ethics.  The continuing education courses pertain to topics such as homeowners, dwelling, commercial insurance coverages, the Adjuster Act, adjusting losses, Fair Claims Settlement Practices, and the duties and responsibilities of an independent insurance adjuster license.  Licensed independent insurance adjusters can use the California Department of Insurance’s (CDI) Education Provider and Course Search to locate the required courses to complete their continuing education requirement (Cal. Ins. Code Section 14090.1).

CDI’s Annual Notice and Guide for Adjusting Property Claims in California After a Major Disaster

In January each year, CDI’s Notice on significant California laws effective as of the date of that notice that pertain to residential property insurance policies, including those related to a declared state of emergency and CDI's Guide for Adjusting Property Claims in California After a Major Disaster (Guide) will be distributed to licensed independent insurance adjusters, qualified managers, and insurers admitted in the state of California.  This is in addition to the required Cal. Ins. Code Sections 790 through 790.15, Fair Claims Settlement Practices Regulations, and Title 10, California Code of Regulations (10 Cal. Code Regs.) Sections 2695.1 - 2696.14 training for all claims adjusters.  The Fair Claims Settlement Practices training and certification are to be completed by all claims adjusters on or before September 1 of each calendar year (10 Cal. Code Regs. Section 2695.6).

Important Note:  After a public official declares a state of emergency, as defined in California Government Code Section 8558, licensed adjusters and qualified managers are to require the employees under their supervision to read and understand CDI’s most recent Notice and CDI’s Guide no later than 15 calendar days from the date on which the employee began claims adjusting activity in California (Cal. Ins. Code Section 14022(a)(2)).

Renewal of License

CDI emails licensees a renewal notification to their email address on record. The email notification includes the license number, license term, license type, and information regarding any continuing education requirements. You can update your e-mail address using Sircon or NIPR online services.

Individuals and business entities who do not receive the email notification must still renew their license online by following the prompts at Sircon's - Renewal and Reinstatement Service or NIPR's Licensing Center.

CDI's online renewal service is available to insurance agents, brokers, and adjusters who want to renew their licenses after the license expiration date has passed. Additionally, the online renewal service is available to insurance agents, brokers, and adjusters who previously used the online renewal service as an on-time renewal but were not able to renew their license because not all of the requirements to renew were met prior to the license expiration date. The online renewal service now allows these licensees, once their requirements have been met, to complete the renewal of their license by paying the late penalty fee.

The online renewal service for license reinstatement is not available to bail agents, who by law must reapply as a new applicant if their license is not renewed prior to the expiration date.

Any Insurance Adjusters that are reinstating their licenses will be required to pay an additional 50 percent of the current license renewal fee in effect. "Reinstatement" is defined as any renewal for which the requirements to renew (for CA residents this includes completing the ethics and continuing education hours) are not met until after the expiration date of the previous license term. Use Sircon's - Renewal and Reinstatement Service or NIPR's Licensing Center to find out how to reinstate your license online.

Note: An expired license or branch office certificate may be reinstated within one year after its expiration upon filing an application for license reinstatement online and paying the required license renewal and reinstatement fees. If the license or certificate is renewed more than 30 days after its expiration, a delinquency fee is also required.

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Insurance Adjuster Registrations and Certification Online Services

The Independent Insurance Adjuster Registration and Certification Online Services is available for qualified licensed insurance adjusters, adjuster firms, and qualified managers to electronically register their employees.


How to Register Employees using the Adjuster Online Services:

  •  Select the “Independent Insurance Adjuster Registration Service” to register independent insurance adjuster employees.
  •  Set-up an account to log-in to the Adjuster Online Services. 
  •  Under “Employee Registration,” select “Create a New List.” 
  •  Select “Add” to insert the full name and information for an employee and save the name. Select “Add” to insert the names of additional employees. 
  •  Select “Download Employee List” to print the list of employees that were submitted to CDI.

Declared Emergency Situation by the Insurance Commissioner

In the event of a declared emergency situation by the Insurance Commissioner, the registration and certification links in the Declared Emergency Situation section on CDI’s Adjuster Online Services will be available for insurers to register adjusters not licensed in California and for qualified insurance adjusters, adjuster firms, and qualified managers to register their employees who are authorized to adjust claims during a declared emergency situation in California.

Important Note: The work performed by independent insurance adjuster employees and adjusters not licensed in California must be under the active direction, control, charge, or management of a licensed adjuster, qualified manager, or insurer authorized to do business in California (California Insurance Code Sections 14022.5(a)(1) and 14029(a)

Additional Information:

Federal law (Title 18 United States Code Section 1033) prohibits anyone who has been convicted of a felony involving dishonesty or a breach of trust from conducting the business of insurance unless they have obtained the written consent of the Insurance Commissioner. It is a violation of this statute to conduct business of insurance without the Commissioners written consent. If you have been convicted of a felony involving dishonesty or a breach of trust then you must attach a copy of this consent. If you have not obtained this written consent you must do so by filing a 1033 Short Form Application for Written Consent prior to filing your application.

  • A Pocket Identification Card will be issued either for the individual licensee, each qualified manager, each officer, or partner.
  • The full name and Social Security Number of any employee hired or terminated subsequent to filing of the original application for license, must be submitted to CDI within 30 days of such occurrence.
  • A change in the qualified manager, branch manager, officer or partner must be reported to the Department within 30 days of such change. A Personal Identification, form LIC 31A-9 for each new Qualified Manager, officer or partner must be filed. The Pocket Identification Card issued for the previously named Qualified Manager must be surrendered.
  • A branch office must be a bona fide place of business.
  • In the case of a business entity, any change in the officers, partners, those stockholders owning 10% or more of the corporate stock, directors, or controlling persons must immediately be reported to the Department giving full names, residence address and social security number.
  • To obtain insurance licensing forms by mail, send an e-mail request to: Producer Licensing Bureau.
  • To obtain Adjuster licensing information, you may phone the Producer Licensing Bureau's Adjuster unit at (916) 492-3085.

All fees mailed to the department must be mailed to:

California Department of Insurance
P.O. Box 1139
Sacramento, CA 95812-1139

All filing fees submitted are not refundable, whether or not the application is acted upon or the examination taken.

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