Arizona Claims Adjuster — Requirements & Free Practice
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Adjuster
Property and casualty claims adjusted for an insurer or insured; individual and business-entity applicants use the same license class.
Licensing authority: Arizona Department of Insurance and Financial Institutions · Application information
Business entity initial licensure
- Applicant
- A business entity applying for the Adjuster license; both resident and nonresident entities are covered by DIFI’s instructions.
- Application
- Submit the business-entity application and prescribed license fee through NIPR or on paper.
- Assessment
- PSI’s official licensing bulletin states that exam requirements do not apply to business-entity licenses.
- Assumed Name
- Submit Form L-193 for each name other than the genuine legal name used for insurance business.
- Individual Licensing
- DIFI states: "Individuals who act as adjusters or hold themselves out to be adjusters must be individually licensed, even if they work for a business-entity adjuster."
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-01.html
A.R.S. § 20-321.01(A)-(B)
- difi-insurance-professionals.html
Adjuster, Business Entity Adjusters, applicability
- psi-arizona-candidate-bulletin.pdf
Types of Licenses, p. 3, entity exemption
Initial licensure with a director approved claims certificate
- Application
- Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
- Background
- The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
- Certificate
- Hold a current claims certificate issued by a national or state-based claims association whose certification program is approved by the director.
- Certificate Assessment
- The approved program must include a proctored examination of sufficient length to determine competency; the statute names no particular examination or association, so this qualification is a condition.
- Certificate Renewal
- At least 24 hours of continuing education must be required for certification renewals every two years.
- Coursework
- The program must include at least 40 hours of preexamination coursework.
- License Fitness
- The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
- Minimum Age
- An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
- Waived Requirements
- § 20-321.01(C)(3) waives the state adjuster examination and the residency/reciprocity requirement in (C)(2).
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-01.html
A.R.S. § 20-321.01(C)(3), claims certificate waiver
- ars-20-321-01.html
A.R.S. § 20-321.01(A)-(B)
Reapplication for the same authority held within the preceding 12 months
- Application
- Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
- Background
- The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
- Expiration
- An expired license application during the first post-expiration year is treated as renewal under § 20-289(E).
- License Fitness
- The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
- Minimum Age
- An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
- Prior License
- Same license type and authority held in Arizona within the previous 12 months, other than a temporary license.
- Surrender
- This route does not override § 20-289(F), which subjects voluntarily surrendered authority to the requirements for a person not previously licensed.
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-02-current.html
A.R.S. § 20-321.02(A)
- ars-20-288.html
A.R.S. § 20-288(B)(2)
- ars-20-289.html
A.R.S. § 20-289(E)
- ars-20-289.html
A.R.S. § 20-289(F)
New application after more than one year of expiration
- Additional Assessment
- Under § 20-284(D), the director may supplement a written examination with an oral examination; no separate named assessment is identified, so this remains an applicant condition.
- Application
- Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
- Attempt Limit
- No more than four attempts in a 12-month period; after a fourth failure, wait one year under § 20-284(H).
- Background
- The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
- Expiration
- An application received more than one year after expiration is a new application under § 20-289(E).
- License Fitness
- The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
- Minimum Age
- An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
- Passing Score Window
- Pass the examination within the year before DIFI receives the license application; active military service can extend that period by the service duration up to 1.5 years under § 20-284(A)-(B).
- Waivers
- A separate current-license or approved-certificate waiver route may apply when its applicant conditions are met.
Nonresident initial licensure by examination
- Additional Assessment
- Under § 20-284(D), the director may supplement a written examination with an oral examination; no separate named assessment is identified, so this remains an applicant condition.
- Application
- Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
- Attempt Limit
- No more than four attempts in a 12-month period; after a fourth failure, wait one year under § 20-284(H).
- Background
- The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
- Current License
- PSI requires the Arizona adjuster examination when the applicant does not hold a resident adjuster license in the resident state.
- License Fitness
- The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
- Minimum Age
- An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
- Passing Score Window
- Pass the examination within the year before DIFI receives the license application; active military service can extend that period by the service duration up to 1.5 years under § 20-284(A)-(B).
- Residency
- Applicant resides in another state that permits Arizona residents to act as adjusters and does not qualify for a current-license or claims-certificate waiver.
Nonresident licensure based on current home state license
- Application
- Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
- Application Evidence
- Submit the home-state application or a completed NAIC uniform application and pay the prescribed fee.
- Background
- The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
- Home State License
- Currently holds a resident adjuster license in good standing in the home state.
- License Fitness
- The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
- Minimum Age
- An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
- Other Jurisdiction Exam
- Any examination taken for another state’s own license is prior qualification evidence and is not an Arizona examination leaf.
- Reciprocity
- The home state must issue equivalent nonresident licenses to Arizona residents on the same basis.
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-02-current.html
A.R.S. § 20-321.02(A)
- ars-20-287.html
A.R.S. § 20-287(A)
- ars-20-288.html
A.R.S. § 20-288(B)(4)
- ars-20-288.html
A.R.S. § 20-288(A)
Late renewal within one year after expiration
- Continuing Education
- Insurance adjusters have no state insurance continuing-education renewal requirement.
- Examination Exemption
- § 20-288(B)(2) exempts the same license authority held in the preceding 12 months.
- Practice Restriction
- The expired license does not authorize practice pending renewal.
- Renewal
- Within one year after expiration, submit the renewal application, quadrennial license fee and $100 late fee.
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-02-current.html
A.R.S. § 20-321.02(A)
- ars-20-289.html
A.R.S. § 20-289(E)
- ars-20-288.html
A.R.S. § 20-288(B)(2)
- psi-arizona-candidate-bulletin.pdf
Insurance Continuing Education, p. 16
Renewal or reactivation following active military service
- Inactive Status
- License or application is deemed inactive during active military service after the written request prescribed by § 20-289.01(A).
- Military Service
- Periodic and routine military-reservist service does not qualify.
- Renewal Extension
- Applicable renewal deadlines are extended by the active-service duration; include military documentation.
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-02-current.html
A.R.S. § 20-321.02(A)
- ars-20-289-01.html
A.R.S. § 20-289.01(A)-(B)
- ars-20-289-01.html
A.R.S. § 20-289.01(D)-(E)
- ars-20-288.html
A.R.S. § 20-288(B)(1)
Timely license renewal
- Continuing Education
- Insurance adjusters are not required to complete insurance continuing education to renew.
- Renewal
- Submit the approved renewal application and prescribed fee before expiration.
- Verification
- The director may request documents or fingerprints before renewal.
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-02-current.html
A.R.S. § 20-321.02(A)
- ars-20-288.html
A.R.S. § 20-288(B)(1)
- ars-20-289.html
A.R.S. § 20-289(C)-(D)
- psi-arizona-candidate-bulletin.pdf
Insurance Continuing Education, p. 16
Continuous licensure when an Arizona resident moves to another state
- Fee And Application
- § 20-287(B) requires no new fee or license application.
- New Resident License
- Immediately notify the director after obtaining the new resident license.
- Residency Change
- Within 30 days after requesting a clearance letter, file the prescribed address change and apply for a resident license in the new home state.
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-02-current.html
A.R.S. § 20-321.02(A)
- ars-20-287.html
A.R.S. § 20-287(B)
Resident licensure within 90 days of prior resident license cancellation
- Application
- Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
- Background
- The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
- Exclusion
- The exception does not apply to the § 20-288(A)(2) sequence of four Arizona exam failures, subsequent out-of-state resident licensure and cancellation, and Arizona application within one year of the last Arizona exam.
- Fingerprints
- Relocating applicants must submit fingerprints through the DIFI process.
- Good Standing
- Other-state certification or other reliable information must show good standing at cancellation.
- License Fitness
- The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
- Minimum Age
- An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
- Prior License
- Same authority in another state; application received within 90 days after cancellation of the resident license.
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-02-current.html
A.R.S. § 20-321.02(A)
- ars-20-288.html
A.R.S. § 20-288(A)
Resident licensure following relocation with a current out of state license
- Application
- Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
- Background
- The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
- Board Relocation Instructions
- PSI’s Nonresident Applicants instructions state: "If you hold a resident insurance license in another state and are relocating to Arizona, you must submit a license application to the Department within 90 days after inactivating the resident license in your former state to avoid having to pass an Arizona insurance exam." The statute also exempts an applicant whose other-state license remains current.
- Clearance
- Provide a clearance letter showing good standing and cancellation date, unless DIFI can verify them in the Producer Database.
- Fingerprints
- Relocating applicants must submit fingerprints using DIFI’s electronic fingerprint process.
- License Fitness
- The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
- Minimum Age
- An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
- Prior License
- Previously licensed for the same authority in another state and currently licensed there under § 20-288(A)(1).
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-02-current.html
A.R.S. § 20-321.02(A)
- ars-20-288.html
A.R.S. § 20-288(A)
- psi-arizona-candidate-bulletin.pdf
Nonresident Applicants, p. 4
Resident initial licensure by examination
- Additional Assessment
- Under § 20-284(D), the director may supplement a written examination with an oral examination; no separate named assessment is identified, so this remains an applicant condition.
- Application
- Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
- Attempt Limit
- No more than four attempts in a 12-month period; after a fourth failure, wait one year under § 20-284(H).
- Background
- The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
- License Fitness
- The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
- Minimum Age
- An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
- Passing Score Window
- Pass the examination within the year before DIFI receives the license application; active military service can extend that period by the service duration up to 1.5 years under § 20-284(A)-(B).
- Residency
- Applicant resides in Arizona and has no applicable examination exemption.
Reissuance after license revocation
- Additional Assessment
- Under § 20-284(D), the director may supplement a written examination with an oral examination; no separate named assessment is identified, so this remains an applicant condition.
- Application
- Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
- Attempt Limit
- No more than four attempts in a 12-month period; after a fourth failure, wait one year under § 20-284(H).
- Background
- The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
- License Fitness
- The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
- Minimum Age
- An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
- Passing Score Window
- Pass the examination within the year before DIFI receives the license application; active military service can extend that period by the service duration up to 1.5 years under § 20-284(A)-(B).
- Revocation
- At least one year must have elapsed after revocation and the applicant must again qualify under the applicable provisions of Title 20.
- Waivers
- A separate examination-exempt initial pathway may apply only if its conditions are met.
Reissuance following voluntary surrender
- Additional Assessment
- Under § 20-284(D), the director may supplement a written examination with an oral examination; no separate named assessment is identified, so this remains an applicant condition.
- Application
- Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
- Attempt Limit
- No more than four attempts in a 12-month period; after a fourth failure, wait one year under § 20-284(H).
- Background
- The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
- Board Statement
- The DIFI Portable Electronics Adjuster maintenance page states: "Surrendering a license is irrevocable. If you surrender a license or line of authority, you will not be able to reapply for that exact authority for at least one year." § 20-289(F) itself requires new-applicant qualifications.
- License Fitness
- The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
- Minimum Age
- An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
- Passing Score Window
- Pass the examination within the year before DIFI receives the license application; active military service can extend that period by the service duration up to 1.5 years under § 20-284(A)-(B).
- Surrender
- Under § 20-289(F), comply with the requirements applicable to a person who has not previously held the authority or license.
- Waivers
- The separate statutory current-license or approved-certificate pathways apply if their conditions are satisfied.
Portable Electronics Adjuster
Limited authority to adjust portable electronics insurance claims under A.R.S. § 20-321.01(G) or (H).
Licensing authority: Arizona Department of Insurance and Financial Institutions · Application information
Business entity portable electronics initial licensure
- Applicant
- Business entity qualifying for limited portable-electronics authority under § 20-321.01(H); DIFI publishes business-entity application requirements.
- Application
- Submit NIPR or the prescribed paper application and license fee.
- Home State Authorization
- The entity’s resident state does not license adjusters but allows the entity to adjust portable electronics claims.
- Individual Licensing
- Individuals acting as adjusters must also be individually licensed unless a statutory exemption applies.
- Restricted Authority
- Only portable electronics insurance claims may be adjusted.
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-02-current.html
A.R.S. § 20-321.02(A)
- ars-20-321-01.html
A.R.S. § 20-321.01(H)
- ars-20-288.html
A.R.S. § 20-288(B)(7)
- difi-insurance-professionals.html
Portable Electronics Adjuster, Business Entity Portable Electronics Adjusters
- psi-arizona-candidate-bulletin.pdf
Types of Licenses, p. 3, entity exemption
Canadian resident initial licensure for portable electronics claims
- Application
- Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
- Background
- The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
- Child Support Provision
- § 20-321.01(G) exempts a qualifying Canadian resident from § 25-320(P).
- Examination Exemption
- The current other-state license supplies the § 20-288(A)(1) exemption, applied through § 20-321.02(A).
- License Fitness
- The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
- Minimum Age
- An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
- Other State License
- Hold an adjuster license in another state that permits adjusting portable electronics insurance claims there.
- Residency
- Resident of Canada.
- Restricted Authority
- Adjust only portable electronics insurance claims.
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-02-current.html
A.R.S. § 20-321.02(A)
- ars-20-321-01.html
A.R.S. § 20-321.01(G)
- ars-20-288.html
A.R.S. § 20-288(A)
- difi-insurance-professionals.html
Portable Electronics Adjuster, definition and applicant classes
New portable electronics application after more than one year of expiration
- Application
- Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
- Background
- The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
- Eligibility
- Remain a qualifying Canadian resident with a current other-state adjuster license, or a resident of a state that does not license adjusters but permits portable-electronics adjustment.
- Examination Exemption
- § 20-288(A)(1) applies to a qualifying current-license holder; § 20-288(B)(7) applies to a resident of a nonlicensing state adjusting only portable-electronics claims.
- Expiration
- After one year, the application is a new application.
- License Fitness
- The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
- Minimum Age
- An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
- Restricted Authority
- Adjust only portable electronics claims.
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-02-current.html
A.R.S. § 20-321.02(A)
- ars-20-321-01.html
A.R.S. § 20-321.01(G)
- ars-20-321-01.html
A.R.S. § 20-321.01(H)
- ars-20-288.html
A.R.S. § 20-288(A)
- ars-20-288.html
A.R.S. § 20-288(B)(7)
- ars-20-289.html
A.R.S. § 20-289(E)
Late renewal within one year after expiration
- Continuing Education
- Insurance adjusters have no state insurance continuing-education renewal requirement.
- Examination Exemption
- § 20-288(B)(2) exempts the same license authority held in the preceding 12 months.
- Practice Restriction
- The expired license does not authorize practice pending renewal.
- Renewal
- Within one year after expiration, submit the renewal application, quadrennial license fee and $100 late fee.
- Restricted Authority
- Continue to qualify under § 20-321.01(G) or (H), and adjust only portable electronics insurance claims.
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-02-current.html
A.R.S. § 20-321.02(A)
- ars-20-321-01.html
A.R.S. § 20-321.01(G)
- ars-20-321-01.html
A.R.S. § 20-321.01(H)
- ars-20-289.html
A.R.S. § 20-289(E)
- ars-20-288.html
A.R.S. § 20-288(B)(2)
- psi-arizona-candidate-bulletin.pdf
Insurance Continuing Education, p. 16
Renewal or reactivation following active military service
- Inactive Status
- License or application is deemed inactive during active military service after the written request prescribed by § 20-289.01(A).
- Military Service
- Periodic and routine military-reservist service does not qualify.
- Renewal Extension
- Applicable renewal deadlines are extended by the active-service duration; include military documentation.
- Restricted Authority
- Continue to qualify under § 20-321.01(G) or (H), and adjust only portable electronics insurance claims.
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-02-current.html
A.R.S. § 20-321.02(A)
- ars-20-321-01.html
A.R.S. § 20-321.01(G)
- ars-20-321-01.html
A.R.S. § 20-321.01(H)
- ars-20-289-01.html
A.R.S. § 20-289.01(A)-(B)
- ars-20-289-01.html
A.R.S. § 20-289.01(D)-(E)
- ars-20-288.html
A.R.S. § 20-288(B)(1)
Initial portable electronics licensure for residents of a state that does not license adjusters
- Application
- Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
- Background
- The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
- Fingerprints
- DIFI requires fingerprints when the applicant resides in a state that does not issue this type of license.
- Home State Authorization
- Be otherwise allowed to adjust portable electronics insurance claims in the resident state.
- License Fitness
- The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
- Minimum Age
- An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
- Residency
- Reside in another state that does not issue adjuster licenses.
- Restricted Authority
- Adjust only portable electronics insurance policy claims in Arizona.
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-02-current.html
A.R.S. § 20-321.02(A)
- ars-20-321-01.html
A.R.S. § 20-321.01(H)
- ars-20-288.html
A.R.S. § 20-288(B)(7)
- difi-insurance-professionals.html
Portable Electronics Adjuster, definition and applicant classes
Return to the same portable electronics authority within 12 months
- Application
- Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
- Background
- The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
- Expiration
- An expired-license application within one year is deemed renewal under § 20-289(E).
- License Fitness
- The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
- Minimum Age
- An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
- Prior License
- Same portable-electronics authority held in Arizona within the preceding 12 months, excluding temporary licenses.
- Restricted Authority
- Continue to qualify under § 20-321.01(G) or (H).
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-02-current.html
A.R.S. § 20-321.02(A)
- ars-20-321-01.html
A.R.S. § 20-321.01(G)
- ars-20-321-01.html
A.R.S. § 20-321.01(H)
- ars-20-288.html
A.R.S. § 20-288(B)(2)
- ars-20-289.html
A.R.S. § 20-289(E)
Portable electronics reissuance after revocation
- Application
- Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
- Background
- The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
- Eligibility
- Remain a qualifying Canadian resident with a current other-state adjuster license, or a resident of a state that does not license adjusters but permits portable-electronics adjustment.
- Examination Exemption
- § 20-288(A)(1) applies to a qualifying current-license holder; § 20-288(B)(7) applies to a resident of a nonlicensing state adjusting only portable-electronics claims.
- License Fitness
- The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
- Minimum Age
- An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
- Restricted Authority
- Adjust only portable electronics claims.
- Revocation
- Wait at least one year after revocation and again qualify under the applicable provisions of Title 20.
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-02-current.html
A.R.S. § 20-321.02(A)
- ars-20-321-01.html
A.R.S. § 20-321.01(G)
- ars-20-321-01.html
A.R.S. § 20-321.01(H)
- ars-20-288.html
A.R.S. § 20-288(A)
- ars-20-288.html
A.R.S. § 20-288(B)(7)
- ars-20-296.html
A.R.S. § 20-296(A)
Portable electronics reissuance following voluntary surrender
- Application
- Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
- Background
- The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
- Board Waiting Period
- DIFI’s portable-electronics maintenance instructions state that reapplication for surrendered authority is not permitted for at least one year.
- Eligibility
- Remain a qualifying Canadian resident with a current other-state adjuster license, or a resident of a state that does not license adjusters but permits portable-electronics adjustment.
- Examination Exemption
- § 20-288(A)(1) applies to a qualifying current-license holder; § 20-288(B)(7) applies to a resident of a nonlicensing state adjusting only portable-electronics claims.
- License Fitness
- The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
- Minimum Age
- An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
- Restricted Authority
- Adjust only portable electronics claims.
- Surrender
- Satisfy the original new-applicant qualifications under § 20-289(F).
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-02-current.html
A.R.S. § 20-321.02(A)
- ars-20-321-01.html
A.R.S. § 20-321.01(G)
- ars-20-321-01.html
A.R.S. § 20-321.01(H)
- ars-20-288.html
A.R.S. § 20-288(A)
- ars-20-288.html
A.R.S. § 20-288(B)(7)
- ars-20-289.html
A.R.S. § 20-289(F)
Timely license renewal
- Continuing Education
- Insurance adjusters are not required to complete insurance continuing education to renew.
- Renewal
- Submit the approved renewal application and prescribed fee before expiration.
- Restricted Authority
- Continue to qualify under § 20-321.01(G) or (H), and adjust only portable electronics insurance claims.
- Verification
- The director may request documents or fingerprints before renewal.
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-02-current.html
A.R.S. § 20-321.02(A)
- ars-20-321-01.html
A.R.S. § 20-321.01(G)
- ars-20-321-01.html
A.R.S. § 20-321.01(H)
- ars-20-288.html
A.R.S. § 20-288(B)(1)
- ars-20-289.html
A.R.S. § 20-289(C)-(D)
- psi-arizona-candidate-bulletin.pdf
Insurance Continuing Education, p. 16
Salaried employee adjuster
Restricted adjuster license under A.R.S. § 20-321.03, valid and renewable only while adjusting as a salaried employee of an insurer or managing general agent.
Licensing authority: Arizona Department of Insurance and Financial Institutions · Application information
Initial licensure under the salaried employee examination waiver
- Application Deadline
- Submit the prescribed application, fee and fingerprints on or before June 30, 2027.
- Current License
- Hold that active designated home state license in current good standing.
- Employment
- Salaried employee of an insurer or managing general agent; compensation is not contingent on claim outcome.
- License Validity
- Valid and renewable only while continuing to adjust in that salaried employment.
- Prior License Date
- Held an active designated home state adjuster license in another state before January 1, 2026.
- Prior State Examination
- Qualified for the other state’s designated home state license by passing a state-approved examination; another state’s own exam is a condition, not an Arizona leaf.
- Residency
- Resident of Arizona.
- Restricted Authority
- Adjust only as a salaried employee of an insurer or managing general agent; no claims for an insured or work outside that salaried capacity.
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-03.html
A.R.S. § 20-321.03(A)
- ars-20-321-03.html
A.R.S. § 20-321.03(B)-(D)
- sb1415.html
DIFI SB1415, introduction
Late renewal within one year after expiration
- Continuing Education
- Insurance adjusters have no state insurance continuing-education renewal requirement.
- Employment
- The license remains valid and renewable only while adjusting claims as a salaried employee of a licensed insurer or managing general agent.
- Examination Exemption
- § 20-288(B)(2) exempts the same license authority held in the preceding 12 months.
- Practice Restriction
- The expired license does not authorize practice pending renewal.
- Renewal
- Within one year after expiration, submit the renewal application, quadrennial license fee and $100 late fee.
- Restricted Authority
- No adjusting for an insured or outside the salaried-employee capacity.
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-02-current.html
A.R.S. § 20-321.02(A)
- ars-20-321-03.html
A.R.S. § 20-321.03(C)
- ars-20-289.html
A.R.S. § 20-289(E)
- ars-20-288.html
A.R.S. § 20-288(B)(2)
- psi-arizona-candidate-bulletin.pdf
Insurance Continuing Education, p. 16
Renewal or reactivation following active military service
- Employment
- The license remains valid and renewable only while adjusting claims as a salaried employee of a licensed insurer or managing general agent.
- Inactive Status
- License or application is deemed inactive during active military service after the written request prescribed by § 20-289.01(A).
- Military Service
- Periodic and routine military-reservist service does not qualify.
- Renewal Extension
- Applicable renewal deadlines are extended by the active-service duration; include military documentation.
- Restricted Authority
- No adjusting for an insured or outside the salaried-employee capacity.
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-02-current.html
A.R.S. § 20-321.02(A)
- ars-20-321-03.html
A.R.S. § 20-321.03(C)
- ars-20-289-01.html
A.R.S. § 20-289.01(A)-(B)
- ars-20-289-01.html
A.R.S. § 20-289.01(D)-(E)
- ars-20-288.html
A.R.S. § 20-288(B)(1)
Restricted salaried employee reissuance after revocation
- Application Deadline
- Submit the prescribed application, fee and fingerprints on or before June 30, 2027.
- Current License
- Hold that active designated home state license in current good standing.
- Employment
- Salaried employee of an insurer or managing general agent; compensation is not contingent on claim outcome.
- License Validity
- Valid and renewable only while continuing to adjust in that salaried employment.
- Prior License Date
- Held an active designated home state adjuster license in another state before January 1, 2026.
- Prior State Examination
- Qualified for the other state’s designated home state license by passing a state-approved examination; another state’s own exam is a condition, not an Arizona leaf.
- Residency
- Resident of Arizona.
- Restricted Authority
- Adjust only as a salaried employee of an insurer or managing general agent; no claims for an insured or work outside that salaried capacity.
- Revocation
- At least one year must have elapsed after revocation; all § 20-321.03(A) qualifications, including the June 30, 2027 deadline, must be met again.
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-02-current.html
A.R.S. § 20-321.02(A)
- ars-20-321-03.html
A.R.S. § 20-321.03(A)
- ars-20-321-03.html
A.R.S. § 20-321.03(B)-(D)
- sb1415.html
DIFI SB1415, introduction
- ars-20-296.html
A.R.S. § 20-296(A)
Reapplication for restricted salaried employee authority following surrender
- Application Deadline
- Submit the prescribed application, fee and fingerprints on or before June 30, 2027.
- Current License
- Hold that active designated home state license in current good standing.
- Employment
- Salaried employee of an insurer or managing general agent; compensation is not contingent on claim outcome.
- License Validity
- Valid and renewable only while continuing to adjust in that salaried employment.
- Prior License Date
- Held an active designated home state adjuster license in another state before January 1, 2026.
- Prior State Examination
- Qualified for the other state’s designated home state license by passing a state-approved examination; another state’s own exam is a condition, not an Arizona leaf.
- Residency
- Resident of Arizona.
- Restricted Authority
- Adjust only as a salaried employee of an insurer or managing general agent; no claims for an insured or work outside that salaried capacity.
- Surrender
- Meet all original qualifications again; the June 30, 2027 application deadline still applies.
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-02-current.html
A.R.S. § 20-321.02(A)
- ars-20-321-03.html
A.R.S. § 20-321.03(A)
- ars-20-321-03.html
A.R.S. § 20-321.03(B)-(D)
- sb1415.html
DIFI SB1415, introduction
- ars-20-289.html
A.R.S. § 20-289(F)
Timely license renewal
- Continuing Education
- Insurance adjusters are not required to complete insurance continuing education to renew.
- Employment
- The license remains valid and renewable only while adjusting claims as a salaried employee of a licensed insurer or managing general agent.
- Renewal
- Submit the approved renewal application and prescribed fee before expiration.
- Restricted Authority
- No adjusting for an insured or outside the salaried-employee capacity.
- Verification
- The director may request documents or fingerprints before renewal.
Official no-examination sources
Effective from 2026-09-22.
- ars-20-321-02-current.html
A.R.S. § 20-321.02(A)
- ars-20-321-03.html
A.R.S. § 20-321.03(C)
- ars-20-288.html
A.R.S. § 20-288(B)(1)
- ars-20-289.html
A.R.S. § 20-289(C)-(D)
- psi-arizona-candidate-bulletin.pdf
Insurance Continuing Education, p. 16
Arizona Examination for Property and Casualty Insurance Adjuster Series 13-36
- Provider
- PSI Services LLC
- Format
- Closed-book examination delivered by computer at a test center or by remote proctoring
- Exam questions
- 150 scored items; an additional 5–10 unscored experimental questions may be administered
- Time limit
- 2.5 hours
- Passing score
- 70% correct
- Exam fee
- $59
Examination outline
Insurance Regulation (6%)
- Licensing requirements (20-321, 321.01)
- Assumed name (20-297)
- Qualifications
- License application requirements
- Licensing exceptions
- Number of exam attempts 20-284(H)
- Maintenance and duration
- Expiration, surrender and renewal (20-289, 321.02)
- Inactive status during military service (20-289.01)
- Report of actions (20-301, 321.02)
- Change of personal contact information (20-286(C))
- Disciplinary actions
- Denial, suspension, revocation or refusal to renew; civil penalties (20-295, 296, 321.02)
- Cease and desist orders (20-292, 321.02)
- Claim settlement laws and regulations (20-461, 462; Rule R20-6-801; RR R20-5- 163)
- Insurance fraud (20-463, 466–466.04)
Federal Laws and Regulations (4%)
- National Flood Insurance Program (NFIP)
- Gramm-Leach-Bliley Act (20-2121; Public Law 106-102)
- Prohibited Persons in Insurance (18 United States Code (USC) Sections 1033 and 1034) waiver
- Terrorism Insurance Program (15 USC 6701; Public Law 107-297, 109-144, 110-160)
General Insurance Concepts (11%)
- Risk
- Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
- Elements of Insurable Risks
- Definitions (e.g., Risk, Hazard, Peril, Loss)
- Classifications of Insurers
- Mutual, Stock
- Admitted, Non-Admitted
- Foreign, Domestic, Alien
- Elements of a Contract
- Consideration
- Competent Parties
- Legal Purpose
- Offer
- Acceptance
- Authority and Powers of Producers
- Express
- Implied
- Apparent
- The Law of Agency
- Legal Interpretations Affecting Contracts
- Reasonable Expectations
- Indemnity
- Good Faith
- Fraud
- Warranties, Representations, Misrepresentations, and Concealment
Property and Casualty Insurance Basics (20%)
- Insurable Interest
- Liability
- Absolute
- Strict
- Vicarious
- Underwriting
- Purpose
- Process
- Results
- Rate Development
- Types
- Components
- Basis
- Types of Hazards
- Types of Perils
- Types of Loss
- Direct
- Indirect
- Loss Valuation
- Actual Cash Value
- Replacement Cost
- Functional Replacement Cost
- Market Value
- Agreed Value
- Valued Policy
- Basic Types of Construction
- Negligence
- Torts
- Elements of a Negligent Act
- Defense Against Negligence
- Accident versus Occurrence
- Policy Structure
- Declarations
- Definitions
- Insuring Agreement
- Additional/Supplementary Coverage
- Conditions
- Exclusions
- Endorsements
- Policy Clauses
- Insureds
- Policy Period
- Policy Territory
- Cancellation and Non-Renewal
- Deductibles
- Other Insurance
- Nonconcurrency
- Primary and Excess
- Pro Rata
- Contribution by Equal Shares
- Limits of Liability
- Per Accident
- Per Occurrence
- Per Person
- Aggregate
- Split Limits
- Combined Single Limit
- Coinsurance
- Purpose
- Definition
- Calculation
- Penalties
- Total versus Partial Loss
- Specific, Scheduled, and Blanket Insurance
- Vacant versus Unoccupied
- Named Insured Provisions
- First Named Insured versus Other Insureds
- Duties After Loss
- Assignment
- Waiver of Rights
- Insurer Provisions
- Liberalization
- Subrogation
- Claim Settlement Options
- Duty to Defend
- Third-Party Provisions
- Standard Mortgage Clause
- Loss Payable Clause
- No Benefit to the Bailee
Dwelling Policy Concepts (7%)
- Purpose and Eligibility
- Perils Insured Against
- Basic
- Broad
- Special
- Property Coverages
- Coverage A - Dwelling
- Coverage B - Other Structures
- Coverage C - Personal Property
- Coverage D - Fair Rental Value
- Coverage E - Additional Living Expenses
- Other Coverages
- Dwelling Property Conditions
- Dwelling Property Exclusions
- Dwelling Property Endorsements
- Personal Liability Supplement
- Coverage L - Personal Liability
- Coverage M - Medical Payments to Others
Homeowners Policy Concepts (12%)
- Definitions
- Eligibility and Purpose
- Homeowners Policy Coverage Forms
- Broad (HO-2)
- Special (HO-3)
- Contents Broad (HO-4)
- Comprehensive (HO-5)
- Unit-Owners (HO-6)
- Modified Coverages (HO-8)
- Section I - Property Coverages
- Coverage A - Dwelling
- Coverage B - Other Structures
- Coverage C - Personal Property
- Coverage D - Loss of Use
- Additional Coverages
- Section II - Liability Coverages
- Coverage E - Personal Liability
- Coverage F - Medical Payments to Others
- Additional Coverages
- Homeowners Policy Exclusions
- Section I-Property Covered Exclusions
- Section II - Liability Covered Exclusions
- Homeowners Policy Conditions
- Homeowners Policy Endorsements
- Business Pursuits
- Earthquake
- Home Day Care
- Personal Injury
- Personal Property Replacement Cost
- Watercraft
- Ordinance or Law
- Scheduled Personal Property/Personal Articles Floater
Personal Automobile Policy (11%)
- Definitions
- Personal Injury Protection Definitions
- Liability Coverage
- Bodily Injury and Property Damage
- Supplementary Payments
- Exclusions
- Medical Payments Coverage
- Uninsured and Underinsured Motorists Coverage
- Definitions
- Bodily Injury
- UM and UIM Rejection
- Coverage for Damage to your Automobile
- Collision
- Other than Collision (Comprehensive)
- Deductibles
- Exclusions
- Duties after an Accident or Loss
- General Provisions
- Endorsements
- Towing and Labor Costs
- Extended Non-Owned Coverage - Vehicles Furnished or Available for Regular Use
- Joint Ownership Coverage
- Rental Vehicle Coverage
Commercial Automobile Policy (5%)
- Commercial Automobile Coverage Forms
- Covered Automobiles
- Hired Automobiles
- Non-owned Automobiles
- Liability
- Physical Damage
- Exclusions
- Conditions
- Definitions
- Selected Endorsements
- Lessor - Additional Insured and Loss Payee
- Mobile Equipment
- Property Protection Coverage
- Broad Form Products
- Employees as Insureds
Commercial Property Policies (6%)
- Commercial Package Policy
- Purpose
- Definition
- Coverages
- Coverage Extensions
- Commercial Policy Components
- Declarations
- Conditions
- Insuring Agreements
- Exclusions
- Commercial Property Forms
- Coverage Forms for Building and Business Personal Property
- Builders Risk
- Business Income
- Extra Expense
- Legal Liability
- Cause of Loss Forms
- Commercial Crime
- Commercial Property Endorsements
- Ordinance or Law
- Peak Season Limit of Insurance
- Spoilage
- Value Reporting Form
- Earthquake
- Equipment Breakdown Coverages
- Commercial Inland Marine - Purpose
- Ocean Marine (Distinction Between Inland and Ocean)
- Farm Property
- Definitions
- Conditions and Exclusions
- Coverages
Commercial General Liability (5%)
- Commercial Policy Components
- Declarations
- Conditions
- Interline Endorsements
- Commercial General Liability Coverages
- Bodily Injury and Property Damage
- Personal and Advertising Injury
- Medical Payments
- Conditions
- Definitions
- Exclusions
- Occurrence versus Claims-made
- Commercial General Liability Exposures
- Premises and Operations
- Products and Completed Operations
- Contractual Liability
Other Types of Insurance Policies (2%)
- Personal Umbrella, Commercial Umbrella, and Excess Policies
- Underlying Limits
- Self-Insured Retention
- Mobile Home Policy (Insuring Agreement)
- Earthquake Insurance (Insuring Agreement)
- Deductible
Adjustment Process (11%)
- Claim Notification Process
- Date of Loss
- Location
- Parties Involved
- Type of Loss (e.g., Liability, Property)
- Investigation and Evaluation of Loss/Claim Information
- Determination of Applicable Coverage
- Inquiry into Relevant Information
- Purpose of Loss Reserves
- Remedies for Disputes
- Appraisal
- Mediation (Binding and Unbinding)
- Arbitration (Binding and Unbinding)
- Litigation
- Finalization of Claim
- Denial
- Settlement
- Closing Claim
Examination sources
- psi-arizona-candidate-bulletin.pdf
Content Outlines, p. 14
- psi-az-property-casualty-adjuster-outline.pdf
Series 13-36 complete published outline, p. 1
- psi-az-property-casualty-adjuster-outline.pdf
Series 13-36 complete published outline, p. 2
- psi-az-property-casualty-adjuster-outline.pdf
Series 13-36 complete published outline, p. 3
- psi-az-property-casualty-adjuster-outline.pdf
Series 13-36 complete published outline, p. 4
- psi-az-property-casualty-adjuster-outline.pdf
Series 13-36 complete published outline, p. 5
- psi-az-property-casualty-adjuster-outline.pdf
Series 13-36 complete published outline, p. 6
- psi-az-property-casualty-adjuster-outline.pdf
Series 13-36 complete published outline, p. 7
- psi-az-property-casualty-adjuster-outline.pdf
Series 13-36 complete published outline, p. 8
- psi-arizona-candidate-bulletin.pdf
Score Reporting, p. 13
- psi-arizona-candidate-bulletin.pdf
Experimental Items, p. 13
- psi-az-property-casualty-adjuster-outline.pdf
Content outline, p. 1, number of items and duration
- psi-arizona-candidate-bulletin.pdf
Types of Licenses, p. 3, Adjuster row, series 13-36
- psi-arizona-candidate-bulletin.pdf
Understanding Licensing Requirements, p. 2, examination scheduling