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Indiana Claims Adjuster — Requirements & Free Practice

US-IN · License preparation

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Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Independent Adjuster License

Licensing for independent adjusters in property and casualty insurance and/or worker's compensation insurance.

Licensing authority: Indiana Department of Insurance · Application information

Nonresident business entity reciprocal licensure
No examination is required for this applicant pathway.
Disclosures
Submit proper application, $90 nonresident fee and the ownership and management disclosures specified in IC 27-1-28-13(a)(3).
Home License
Current independent adjuster license in good standing in the home state or DHS.
Reciprocity
Meet IC 27-1-28-17(a) reciprocity.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual approved claims certification exemption
No examination is required for this applicant pathway.
Application
Submit the Uniform Application for Individual Adjusters with a truthful and complete declaration and the applicable nonrefundable license fee.
Approved Certification
Current department-approved claims association certification with approved precertification course, approved unnamed examination and approved continuing education; IDOI identifies active CLM UCC and requires a copy of its certificate.
Character
Trustworthy, reliable and of good reputation; no act constituting a ground for probation, suspension, revocation or refusal under IC 27-1-28-18.
Criminal Consent
If subject to 18 USC 1033, obtain written consent as described in IDOI licensing requirements.
Issuance
The certification exemption does not waive nonresident home-state, application, fee or other issuance qualifications.
Line Of Authority
Property and casualty insurance and/or workers compensation insurance under IC 27-1-28-14(a).
Minimum Age
At least eighteen years of age.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual statutory current license examination exemption
No examination is required for this applicant pathway.
Application
Submit the Uniform Application for Individual Adjusters with a truthful and complete declaration and the applicable nonrefundable license fee.
Character
Trustworthy, reliable and of good reputation; no act constituting a ground for probation, suspension, revocation or refusal under IC 27-1-28-18.
Criminal Consent
If subject to 18 USC 1033, obtain written consent as described in IDOI licensing requirements.
Exemption
IC 27-1-28-16(a) expressly removes Indiana prelicensing education and written examination for a qualifying individual.
Good Standing
Provide certification that the other license is currently in good standing.
Line Of Authority
Property and casualty insurance and/or workers compensation insurance under IC 27-1-28-14(a).
Lower Ranked Instruction
IDOI Non-Resident Adjuster Licensing states: "California, Hawaii and New York residents must complete an approved Indiana Independent Adjuster pre-licensing education course and the Indiana Independent Adjuster exam." This implementing instruction is recorded as an applicant condition; IC 27-1-28-16(a) controls the examination exemption for a qualifying applicant.
Minimum Age
At least eighteen years of age.
Nonresident Issuance
For reciprocal issuance under IC 27-1-28-17(a), maintain a current good-standing home-state or DHS license, submit the application and $90 fee, and meet reciprocity. A statutory examination exemption does not itself waive other issuance qualifications.
Prior License
Hold a same-line independent adjuster license in a jurisdiction requiring a prelicensing independent-adjuster licensure examination.
Residency
Nonresident applicant; satisfy the applicable Indiana home-state or nonresident issuance qualifications.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual licensure by examination
Indiana Independent Adjuster Examination
Application
Submit the Uniform Application for Individual Adjusters with a truthful and complete declaration and the applicable nonrefundable license fee.
Certificate Window
Pass the examination and apply for the license within the six-month certificate period stated by IDOI.
Certification Waiver
An active approved UCC certificate can waive Indiana education and examination, subject to IC 27-1-28-15(e).
Character
Trustworthy, reliable and of good reputation; no act constituting a ground for probation, suspension, revocation or refusal under IC 27-1-28-18.
Criminal Consent
If subject to 18 USC 1033, obtain written consent as described in IDOI licensing requirements.
Eligibility
Nonresident without another independent adjuster license, or applicant for whom IDOI requires examination and no statutory exception applies. Comply with IC 27-1-28-12, -14 and -15 under -17(b).
Fee
Nonresident application fee $90.
Line Of Authority
Property and casualty insurance and/or workers compensation insurance under IC 27-1-28-14(a).
Minimum Age
At least eighteen years of age.
Prelicensing Education
Complete forty hours of Indiana-approved prelicensing education and obtain the course completion certificate before examination.
Nonresident individual statutory five year experience examination exemption
No examination is required for this applicant pathway.
Application
Submit the Uniform Application for Individual Adjusters with a truthful and complete declaration and the applicable nonrefundable license fee.
Character
Trustworthy, reliable and of good reputation; no act constituting a ground for probation, suspension, revocation or refusal under IC 27-1-28-18.
Criminal Consent
If subject to 18 USC 1033, obtain written consent as described in IDOI licensing requirements.
Exemption
IC 27-1-28-16(a) expressly removes Indiana prelicensing education and written examination for a qualifying individual.
Experience
Provide proof from contracting insurers of participation in same-line claims adjudication throughout the five years immediately preceding application.
Line Of Authority
Property and casualty insurance and/or workers compensation insurance under IC 27-1-28-14(a).
Lower Ranked Instruction
IDOI Non-Resident Adjuster Licensing states: "California, Hawaii and New York residents must complete an approved Indiana Independent Adjuster pre-licensing education course and the Indiana Independent Adjuster exam." This implementing instruction is recorded as an applicant condition; IC 27-1-28-16(a) controls the examination exemption for a qualifying applicant.
Minimum Age
At least eighteen years of age.
Nonresident Issuance
For reciprocal issuance under IC 27-1-28-17(a), maintain a current good-standing home-state or DHS license, submit the application and $90 fee, and meet reciprocity. A statutory examination exemption does not itself waive other issuance qualifications.
Residency
Nonresident applicant; satisfy the applicable Indiana home-state or nonresident issuance qualifications.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual statutory recently expired license examination exemption
No examination is required for this applicant pathway.
Application
Submit the Uniform Application for Individual Adjusters with a truthful and complete declaration and the applicable nonrefundable license fee.
Character
Trustworthy, reliable and of good reputation; no act constituting a ground for probation, suspension, revocation or refusal under IC 27-1-28-18.
Criminal Consent
If subject to 18 USC 1033, obtain written consent as described in IDOI licensing requirements.
Exemption
IC 27-1-28-16(a) expressly removes Indiana prelicensing education and written examination for a qualifying individual.
Expiration Window
That license expired less than ninety days before the Commissioner receives the application.
Good Standing
Provide certification that the other license was in good standing at expiration.
Line Of Authority
Property and casualty insurance and/or workers compensation insurance under IC 27-1-28-14(a).
Lower Ranked Instruction
IDOI Non-Resident Adjuster Licensing states: "California, Hawaii and New York residents must complete an approved Indiana Independent Adjuster pre-licensing education course and the Indiana Independent Adjuster exam." This implementing instruction is recorded as an applicant condition; IC 27-1-28-16(a) controls the examination exemption for a qualifying applicant.
Minimum Age
At least eighteen years of age.
Nonresident Issuance
For reciprocal issuance under IC 27-1-28-17(a), maintain a current good-standing home-state or DHS license, submit the application and $90 fee, and meet reciprocity. A statutory examination exemption does not itself waive other issuance qualifications.
Prior License
Previously hold a same-line independent adjuster license in a jurisdiction requiring a prelicensing independent-adjuster licensure examination.
Residency
Nonresident applicant; satisfy the applicable Indiana home-state or nonresident issuance qualifications.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual reciprocal licensure
No examination is required for this applicant pathway.
Application
Submit the Uniform Application for Individual Adjusters with a truthful and complete declaration and the applicable nonrefundable license fee.
Character
Trustworthy, reliable and of good reputation; no act constituting a ground for probation, suspension, revocation or refusal under IC 27-1-28-18.
Continuing Eligibility
Maintain a valid home-state or DHS license and continuing reciprocity.
Criminal Consent
If subject to 18 USC 1033, obtain written consent as described in IDOI licensing requirements.
Education Exam Exemption
IDOI reciprocal licensing checklist requires the existing license, application and reciprocity; the Indiana examination instruction applies to nonreciprocal applicants instead.
Fee
Submit proper application and $90 fee, subject to any applicable retaliatory fee.
Home License
Current independent adjuster license in good standing in the home state or designated home state.
Line Of Authority
Property and casualty insurance and/or workers compensation insurance under IC 27-1-28-14(a).
Minimum Age
At least eighteen years of age.
Reciprocity
The home state or DHS awards nonresident independent adjuster licenses to Indiana residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident renewal
No examination is required for this applicant pathway.
Applicant Type
Individual independent adjuster.
Continuing Education
Individual licensees complete twenty-four hours every two years, subject to IC 27-1-28-19(b) exemptions for a short first cycle, compliant nonresidents and qualifying approved certifications.
Fee
Renewal fee $90.
License
Existing independent adjuster license; apply by the renewal date.
Nonresident Maintenance
Nonresident renewal requires a valid home-state license and reciprocity under IC 27-1-28-17(e).

Official no-examination sources

Effective from 2026-09-22.

Business entity nonresident renewal
No examination is required for this applicant pathway.
Applicant Type
Business entity independent adjuster.
Fee
Renewal fee $90.
License
Existing independent adjuster license; apply by the renewal date.
Nonresident Maintenance
Nonresident renewal requires a valid home-state license and reciprocity under IC 27-1-28-17(e).
Responsible Individual
Maintain the licensed individual responsible for entity compliance under IC 27-1-28-13(b).

Official no-examination sources

Effective from 2026-09-22.

Reissuance within twelve months after expiration
No examination is required for this applicant pathway.
Applicant Type
Individual independent adjuster.
Application
Request reissuance as prescribed by the Department and pay $80 for the resident license.
Continuing Education
IDOI requires completion and reporting of twenty-four Indiana-approved CE hours before online individual reinstatement.
Expiration Window
Apply within twelve months after expiration.

Official no-examination sources

Effective from 2026-09-22.

Business entity reissuance within twelve months after expiration
No examination is required for this applicant pathway.
Applicant Type
Business entity independent adjuster.
Application
Request reissuance as prescribed by the Department and pay $80 for the resident license.
Expiration Window
Apply within twelve months after expiration.
Responsible Individual
Maintain the licensed individual responsible for entity compliance under IC 27-1-28-13(b).

Official no-examination sources

Effective from 2026-09-22.

Renewal relief for military service, disability or extenuating circumstances
No examination is required for this applicant pathway.
Discretion
Request a waiver of renewal requirements or applicable sanction; relief is discretionary and ordinary requirements remain unless waived.
Grounds
Unable to comply because of military service, long-term medical disability or another extenuating circumstance determined by the Commissioner.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity initial licensure
No examination is required for this applicant pathway.
Character
No act constituting grounds for probation, suspension, revocation or refusal.
Disclosures
Submit the Uniform Application for Business Entity Adjusters, $40 fee, and name, address, criminal and administrative history of each ten-percent owner, partner, executive officer and director.
Entity Eligibility
Eligible to designate Indiana as home state.
Licensed Responsible Individual
Designate an individual licensed under IC 27-1-28 responsible for compliance with Indiana insurance law; the individual license is a qualification condition, not an entity examination.

Official no-examination sources

Effective from 2026-09-22.

Resident individual approved claims certification exemption
No examination is required for this applicant pathway.
Application
Submit the Uniform Application for Individual Adjusters with a truthful and complete declaration and the applicable nonrefundable license fee.
Approved Certification
Hold a current department-approved national or state claims association certification whose program includes an approved precertification course, approved examination and approved continuing education. IDOI identifies active CLM Uniform Claims Certification (UCC); attach its certificate.
Certification Examination
The statutory certification-program examination is an unnamed approved slot, not an identified registered examination.
Character
Trustworthy, reliable and of good reputation; no act constituting a ground for probation, suspension, revocation or refusal under IC 27-1-28-18.
Criminal Consent
If subject to 18 USC 1033, obtain written consent as described in IDOI licensing requirements.
Fee
Resident application fee $40.
Line Of Authority
Property and casualty insurance and/or workers compensation insurance under IC 27-1-28-14(a).
Minimum Age
At least eighteen years of age.

Official no-examination sources

Effective from 2026-09-22.

Resident individual statutory current license examination exemption
No examination is required for this applicant pathway.
Application
Submit the Uniform Application for Individual Adjusters with a truthful and complete declaration and the applicable nonrefundable license fee.
Character
Trustworthy, reliable and of good reputation; no act constituting a ground for probation, suspension, revocation or refusal under IC 27-1-28-18.
Criminal Consent
If subject to 18 USC 1033, obtain written consent as described in IDOI licensing requirements.
Exemption
IC 27-1-28-16(a) expressly removes Indiana prelicensing education and written examination for a qualifying individual.
Good Standing
Provide certification that the other license is currently in good standing.
Line Of Authority
Property and casualty insurance and/or workers compensation insurance under IC 27-1-28-14(a).
Minimum Age
At least eighteen years of age.
Prior License
Hold a same-line independent adjuster license in a jurisdiction requiring a prelicensing independent-adjuster licensure examination.
Residency
Indiana resident

Official no-examination sources

Effective from 2026-09-22.

Resident individual licensure by examination
Indiana Independent Adjuster Examination
Application
Submit the Uniform Application for Individual Adjusters with a truthful and complete declaration and the applicable nonrefundable license fee.
Certificate Window
Pass the examination and apply for the license within the six-month certificate period stated by IDOI.
Character
Trustworthy, reliable and of good reputation; no act constituting a ground for probation, suspension, revocation or refusal under IC 27-1-28-18.
Criminal Consent
If subject to 18 USC 1033, obtain written consent as described in IDOI licensing requirements.
Fee
Resident application fee $40.
Line Of Authority
Property and casualty insurance and/or workers compensation insurance under IC 27-1-28-14(a).
Minimum Age
At least eighteen years of age.
Prelicensing Education
Complete forty hours of Indiana-approved prelicensing education and obtain the course completion certificate before examination.
Residency
Eligible to designate Indiana as home state; ordinary Indiana resident application.
Resident individual statutory five year experience examination exemption
No examination is required for this applicant pathway.
Application
Submit the Uniform Application for Individual Adjusters with a truthful and complete declaration and the applicable nonrefundable license fee.
Character
Trustworthy, reliable and of good reputation; no act constituting a ground for probation, suspension, revocation or refusal under IC 27-1-28-18.
Criminal Consent
If subject to 18 USC 1033, obtain written consent as described in IDOI licensing requirements.
Exemption
IC 27-1-28-16(a) expressly removes Indiana prelicensing education and written examination for a qualifying individual.
Experience
Provide proof from contracting insurers of participation in same-line claims adjudication throughout the five years immediately preceding application.
Line Of Authority
Property and casualty insurance and/or workers compensation insurance under IC 27-1-28-14(a).
Minimum Age
At least eighteen years of age.
Residency
Indiana resident

Official no-examination sources

Effective from 2026-09-22.

Resident individual statutory recently expired license examination exemption
No examination is required for this applicant pathway.
Application
Submit the Uniform Application for Individual Adjusters with a truthful and complete declaration and the applicable nonrefundable license fee.
Character
Trustworthy, reliable and of good reputation; no act constituting a ground for probation, suspension, revocation or refusal under IC 27-1-28-18.
Criminal Consent
If subject to 18 USC 1033, obtain written consent as described in IDOI licensing requirements.
Exemption
IC 27-1-28-16(a) expressly removes Indiana prelicensing education and written examination for a qualifying individual.
Expiration Window
That license expired less than ninety days before the Commissioner receives the application.
Good Standing
Provide certification that the other license was in good standing at expiration.
Line Of Authority
Property and casualty insurance and/or workers compensation insurance under IC 27-1-28-14(a).
Minimum Age
At least eighteen years of age.
Prior License
Previously hold a same-line independent adjuster license in a jurisdiction requiring a prelicensing independent-adjuster licensure examination.
Residency
Indiana resident

Official no-examination sources

Effective from 2026-09-22.

Resident renewal
No examination is required for this applicant pathway.
Applicant Type
Individual independent adjuster.
Continuing Education
Individual licensees complete twenty-four hours every two years, subject to IC 27-1-28-19(b) exemptions for a short first cycle, compliant nonresidents and qualifying approved certifications.
Fee
Renewal fee $40.
License
Existing independent adjuster license; apply by the renewal date.
Nonresident Maintenance
Nonresident renewal requires a valid home-state license and reciprocity under IC 27-1-28-17(e).

Official no-examination sources

Effective from 2026-09-22.

Business entity resident renewal
No examination is required for this applicant pathway.
Applicant Type
Business entity independent adjuster.
Fee
Renewal fee $40.
License
Existing independent adjuster license; apply by the renewal date.
Nonresident Maintenance
Nonresident renewal requires a valid home-state license and reciprocity under IC 27-1-28-17(e).
Responsible Individual
Maintain the licensed individual responsible for entity compliance under IC 27-1-28-13(b).

Official no-examination sources

Effective from 2026-09-22.

Resident individual transfer from an examination licensing jurisdiction
No examination is required for this applicant pathway.
Application
Submit the Uniform Application for Individual Adjusters with a truthful and complete declaration and the applicable nonrefundable license fee.
Application Window
Establish Indiana legal residency and apply less than ninety days after establishing residency under IC 27-1-28-16(c)(1).
Character
Trustworthy, reliable and of good reputation; no act constituting a ground for probation, suspension, revocation or refusal under IC 27-1-28-18.
Criminal Consent
If subject to 18 USC 1033, obtain written consent as described in IDOI licensing requirements.
Fee
Resident application fee $40.
Implementation Timing
IDOI permits application without first inactivating the old license. If already inactivated, IDOI instructs application within ninety days of inactivation; the statutory residency deadline remains applicable.
Line Of Authority
Property and casualty insurance and/or workers compensation insurance under IC 27-1-28-14(a).
Minimum Age
At least eighteen years of age.
Prior License
Licensed for the same line of authority in another jurisdiction that requires an independent-adjuster prelicensing examination.

Official no-examination sources

Effective from 2026-09-22.

Previously unlicensed nonresident business entity initial licensure
No examination is required for this applicant pathway.
Application
Submit the business entity application and ownership and management histories; $90 nonresident fee.
Eligibility
A nonresident business entity not licensed as an independent adjuster elsewhere complies with IC 27-1-28-13 and -14 under -17(b); -15 applies its written examination to individuals.
Responsible Individual
Designate an Indiana-licensed individual independent adjuster responsible for entity compliance.

Official no-examination sources

Effective from 2026-09-22.

Independent Adjuster DHS (Designated Home State) License

Indiana designated-home-state form of the individual independent adjuster license for applicants whose resident state does not license independent adjusters.

Licensing authority: Indiana Department of Insurance · Application information

Initial designated home state approved certification exemption
No examination is required for this applicant pathway.
Application
Submit the Uniform Application for Individual Adjusters with a truthful and complete declaration and the applicable nonrefundable license fee.
Certification
Hold active approved CLM UCC and attach its certificate. The approved certification-program examination is unnamed in the state sources.
Character
Trustworthy, reliable and of good reputation; no act constituting a ground for probation, suspension, revocation or refusal under IC 27-1-28-18.
Criminal Consent
If subject to 18 USC 1033, obtain written consent as described in IDOI licensing requirements.
Eligibility
Nonresident whose resident home jurisdiction does not license independent adjusters; designate Indiana as home state.
Fee
DHS license application fee $90.
Line Of Authority
Property and casualty insurance and/or workers compensation insurance under IC 27-1-28-14(a).
Minimum Age
At least eighteen years of age.

Official no-examination sources

Effective from 2026-09-22.

Designated home state current license exemption
No examination is required for this applicant pathway.
Application
Submit the Uniform Application for Individual Adjusters with a truthful and complete declaration and the applicable nonrefundable license fee.
Character
Trustworthy, reliable and of good reputation; no act constituting a ground for probation, suspension, revocation or refusal under IC 27-1-28-18.
Criminal Consent
If subject to 18 USC 1033, obtain written consent as described in IDOI licensing requirements.
Eligibility
Nonresident whose resident home jurisdiction does not license independent adjusters; eligible to designate Indiana as home state.
Fee
DHS application fee $90.
Implementation Demand
IDOI DHS instructions ordinarily require education and the Indiana examination; IC 27-1-28-16(a) expressly exempts the qualifying applicant.
Line Of Authority
Property and casualty insurance and/or workers compensation insurance under IC 27-1-28-14(a).
Minimum Age
At least eighteen years of age.
Prior License
Hold a same-line independent adjuster license in an examination-licensing jurisdiction; provide certification of current good standing.

Official no-examination sources

Effective from 2026-09-22.

Initial designated home state licensure by examination
Indiana Independent Adjuster Examination
Application
Submit the Uniform Application for Individual Adjusters with a truthful and complete declaration and the applicable nonrefundable license fee.
Certificate Window
Pass the examination and apply for the license within the six-month certificate period stated by IDOI.
Character
Trustworthy, reliable and of good reputation; no act constituting a ground for probation, suspension, revocation or refusal under IC 27-1-28-18.
Criminal Consent
If subject to 18 USC 1033, obtain written consent as described in IDOI licensing requirements.
Eligibility
Not an Indiana resident; resident home jurisdiction does not license independent adjusters; eligible to designate Indiana as home state.
Fee
Submit applicable forms and $90 license fee.
Line Of Authority
Property and casualty insurance and/or workers compensation insurance under IC 27-1-28-14(a).
Minimum Age
At least eighteen years of age.
Prelicensing Education
Complete forty hours of Indiana-approved prelicensing education and obtain the course completion certificate before examination.
Initial designated home state five year experience exemption
No examination is required for this applicant pathway.
Application
Submit the Uniform Application for Individual Adjusters with a truthful and complete declaration and the applicable nonrefundable license fee.
Character
Trustworthy, reliable and of good reputation; no act constituting a ground for probation, suspension, revocation or refusal under IC 27-1-28-18.
Criminal Consent
If subject to 18 USC 1033, obtain written consent as described in IDOI licensing requirements.
Eligibility
Nonresident eligible to designate Indiana as home state because the resident jurisdiction does not license independent adjusters.
Experience
Proof from contracting insurers of participation in same-line claims adjudication during the five years immediately preceding application under IC 27-1-28-16(a)(3).
Fee
DHS application fee $90.
Implementation Demand
IDOI DHS checklist ordinarily requires education and the Indiana exam; IC 27-1-28-16(a)(3) expressly removes these for a qualifying applicant.
Line Of Authority
Property and casualty insurance and/or workers compensation insurance under IC 27-1-28-14(a).
Minimum Age
At least eighteen years of age.

Official no-examination sources

Effective from 2026-09-22.

Designated home state recently expired license exemption
No examination is required for this applicant pathway.
Application
Submit the Uniform Application for Individual Adjusters with a truthful and complete declaration and the applicable nonrefundable license fee.
Character
Trustworthy, reliable and of good reputation; no act constituting a ground for probation, suspension, revocation or refusal under IC 27-1-28-18.
Criminal Consent
If subject to 18 USC 1033, obtain written consent as described in IDOI licensing requirements.
Eligibility
Nonresident whose resident home jurisdiction does not license independent adjusters; eligible to designate Indiana as home state.
Fee
DHS application fee $90.
Implementation Demand
IDOI DHS instructions ordinarily require education and the Indiana examination; IC 27-1-28-16(a) expressly exempts the qualifying applicant.
Line Of Authority
Property and casualty insurance and/or workers compensation insurance under IC 27-1-28-14(a).
Minimum Age
At least eighteen years of age.
Prior License
Hold a same-line license from an examination-licensing jurisdiction that expired less than ninety days before receipt of this application; certify good standing at expiration.

Official no-examination sources

Effective from 2026-09-22.

Designated home state reissuance within twelve months
No examination is required for this applicant pathway.
Application
Request reissuance as prescribed by the Department.
Continuing Education
Complete twenty-four Indiana-approved CE hours.
Expiration Window
Apply within twelve months after expiration.
Fee
IDOI DHS instructions require $180; IC 27-1-28-14(d) sets $80 generally. IDOI DHS page states: "A reissuance fee of one hundred and eighty dollars ($180), and". The differing fee is an applicant condition, not an examination.

Official no-examination sources

Effective from 2026-09-22.

Designated home state renewal
No examination is required for this applicant pathway.
Continuing Education
Complete twenty-four Indiana-approved CE hours, subject to statutory qualifying-certification and other IC 27-1-28-19 exemptions.
Fee
Renewal fee $90.
Term
Renew by the last day of the birth month; license effective for two years under IC 27-1-28-14(c).

Official no-examination sources

Effective from 2026-09-22.

Designated home state renewal relief
No examination is required for this applicant pathway.
Discretion
Request discretionary waiver of renewal requirements or applicable sanction.
Grounds
Military service, long-term medical disability or another extenuating circumstance determined by the Commissioner.

Official no-examination sources

Effective from 2026-09-22.

Temporary Emergency Independent Adjuster License

Catastrophe-specific temporary emergency license sponsored by an insurer; up to ninety days unless extended by the Commissioner.

Licensing authority: Indiana Department of Insurance · Application information

Commissioner extension of temporary emergency licensure
No examination is required for this applicant pathway.
Discretion
Commissioner may extend its otherwise maximum ninety-day term; no additional examination is specified by IC 27-1-28-11(e).
Existing License
Hold the temporary emergency independent adjuster license issued for a declared catastrophe.

Official no-examination sources

Effective from 2026-09-22.

Insurer sponsored temporary emergency issuance
No examination is required for this applicant pathway.
Application Content
Name of individual and insurer, contract effective date, catastrophe/loss number, catastrophe event name and insurer mailing address; submit CATLOSS Form #0711.
Application Timing
Insurer applies within five days after the individual begins adjusting catastrophe claims; license need not be received before work begins.
Catastrophe
Declared catastrophe; insurer contracts with an individual not licensed under the independent-adjuster chapter but otherwise qualified to adjust claims.
Fee
$20 license fee stated by IDOI.
Term
Effective for not more than ninety days unless extended by Commissioner; covers other catastrophes arising within its effective ninety-day period.

Official no-examination sources

Effective from 2026-09-22.

Indiana Independent Adjuster Examination

Examination outline
  • INDIANA LAWS AND DEPARTMENT RULES COMMON TO ALL LINES OF INSURANCE
    • Department of Insurance
    • Department of Insurance / Insurance Commissioner
    • Department of Insurance / Insurance Commissioner / Appointment by Governor
    • Department of Insurance / Insurance Commissioner / Member of National Association of Insurance Commissioners (NAIC)
    • Department of Insurance / Insurance Commissioner / Powers
    • Department of Insurance / Insurance Commissioner / Duties
    • Department of Insurance / Admission of Insurance Companies
    • Department of Insurance / Admission of Insurance Companies / Certificate of Authority
    • Department of Insurance / Admission of Insurance Companies / Admitted versus non-admitted companies
    • Department of Insurance / Insurance Guaranty Associations
    • Department of Insurance / Insurance Guaranty Associations / Purpose
    • Department of Insurance / Surplus Lines Companies
    • Licensing Regulations
    • Licensing Regulations / Qualifications
    • Licensing Regulations / Resident and Non-Resident
    • Licensing Regulations / Reciprocity
    • Licensing Regulations / Process
    • Licensing Regulations / Examination
    • Licensing Regulations / Fees
    • License Renewal
    • License Renewal / Change of Contact Information
    • License Renewal / Renewal Application and Fee
    • License Renewal / Electronic Process
    • License Renewal / Reinstatement Fee
    • License Renewal / Continuing Education
    • Disciplinary Actions
    • Disciplinary Actions / Cease and Desist Order
    • Disciplinary Actions / Violations
    • Disciplinary Actions / Suspension and Revocation
    • Disciplinary Actions / Penalties
    • Disciplinary Actions / Administrative Hearings
    • Unfair Claim Settlement Practices
    • Unfair Trade Practices
    • Unfair Trade Practices / Misrepresentation
    • Unfair Trade Practices / False information and advertising
    • Unfair Trade Practices / Rebates and kickbacks
    • Unfair Trade Practices / Defamation
    • Unfair Trade Practices / Boycott
    • Unfair Trade Practices / Coercion
    • Unfair Trade Practices / Intimidation
    • Federal Regulation
    • Federal Regulation / Fraud and False Statements (including 1033 Waiver)
  • INSURANCE BASICS
    • Contract Law
    • Contract Law / Elements of Contract
    • Contract Law / Legal Interpretations
    • Contract Law / Legal Interpretations / Ambiguities in a Contract of Adhesion
    • Contract Law / Legal Interpretations / Reasonable Expectations
    • Contract Law / Legal Interpretations / Utmost Good Faith
    • Insurance Contract Basics
    • Insurance Contract Basics / Indemnity
    • Insurance Contract Basics / Representations, Misrepresentations and Concealment
    • Insurance Contract Basics / Warranties
    • Insurance Contract Basics / Fraud
    • Insurance Contract Basics / Waiver (Express and implied)
    • Insurance Contract Basics / Estoppel
    • Insurance Concepts
    • Insurance Concepts / Insurable Interest
    • Insurance Concepts / Risk (pure vs. speculative)
    • Insurance Concepts / Loss
    • Insurance Concepts / Loss / Direct
    • Insurance Concepts / Loss / Indirect (consequential)
    • Insurance Concepts / Negligence
    • Insurance Concepts / Negligence / Duty
    • Insurance Concepts / Negligence / Breach of duty
    • Insurance Concepts / Negligence / Proximate cause
    • Insurance Concepts / Negligence / Damages
    • Insurance Concepts / Negligence / Damages / Compensatory
    • Insurance Concepts / Negligence / Damages / Punitive
    • Insurance Concepts / Property
    • Insurance Concepts / Casualty
    • Insurance Concepts / Casualty / Strict Liability
    • Insurance Concepts / Casualty / Vicarious Liability
    • Insurance Concepts / Two and Three Party Contracts
    • Insurance Concepts / Limit of Liability/Company pays lower of loss or limit
    • Insurance Concepts / Named Insured
    • Insurance Concepts / Causes of Loss (Perils)
    • Insurance Concepts / Causes of Loss (Perils) / Basic
    • Insurance Concepts / Causes of Loss (Perils) / Broad
    • Insurance Concepts / Causes of Loss (Perils) / Special
    • Insurance Concepts / Named Peril versus Special (Open) Perils
    • Insurance Concepts / Blanket versus Special Coverage
    • Insurance Concepts / Loss Valuation
    • Insurance Concepts / Loss Valuation / Actual Cash Value
    • Insurance Concepts / Loss Valuation / Replacement Cost
    • Insurance Concepts / Loss Valuation / Functional Replacement Cost
    • Insurance Concepts / Loss Valuation / Fair Market Value
    • Insurance Concepts / Loss Valuation / Agreed Value
    • Insurance Concepts / Loss Valuation / Stated Value
    • Insurance Concepts / Loss Valuation / Salvage Value
    • Insurance Concepts / Bailment/Care, Custody, Control
    • Insurance Concepts / Occurrence
    • Insurance Concepts / Mortgagee rights
    • Insurance Concepts / Reinsurance
    • Insurance Concepts / Underwriting
    • Policy Structure
    • Policy Structure / Declarations
    • Policy Structure / Definitions
    • Policy Structure / Insuring Agreement
    • Policy Structure / Additional Coverage
    • Policy Structure / Extensions of Coverage
    • Policy Structure / Endorsements
    • Policy Structure / Conditions
    • Policy Structure / Exclusions
    • Common Policy Provisions
    • Common Policy Provisions / Insured (Named, First Named, Additional Insured(s))
    • Common Policy Provisions / Policy Period
    • Common Policy Provisions / Policy Territory
    • Common Policy Provisions / Cancellation and Renewal
    • Common Policy Provisions / Coinsurance
    • Common Policy Provisions / Deductibles
    • Common Policy Provisions / Deductibles / Flat
    • Common Policy Provisions / Deductibles / Percentage
    • Common Policy Provisions / Deductibles / Overlapping
    • Common Policy Provisions / Other Insurance
    • Common Policy Provisions / Other Insurance / Nonconcurrency
    • Common Policy Provisions / Other Insurance / Primary and Excess
    • Common Policy Provisions / Other Insurance / Pro Rata
    • Common Policy Provisions / Policy Limits
    • Common Policy Provisions / Restoration/Nonreduction of Limits
    • Common Policy Provisions / Vacancy or Unoccupancy
    • Common Policy Provisions / Liberalization
    • Common Policy Provisions / Third Party Provisions
    • Common Policy Provisions / Third Party Provisions / Mortgage Clause
    • Common Policy Provisions / Third Party Provisions / Loss Payable Clause
    • Common Policy Provisions / Third Party Provisions / No Benefit to Bailee
  • PERSONAL LINES REGULATIONS
    • Claims
    • Claims / Auto claims
    • Automobile Insurance
    • Automobile Insurance Assigned Risk Program (AIP)
    • Mine Subsidence
  • DWELLING POLICIES
    • Characteristics and Purpose
    • Coverage Forms
    • Coverage Forms / DP-1 Basic
    • Coverage Forms / DP-2 Broad
    • Coverage Forms / DP-3 Special
    • Property Coverages
    • Property Coverages / Coverage A – Dwelling
    • Property Coverages / Coverage B – Other Structures
    • Property Coverages / Coverage C – Personal Property
    • Property Coverages / Coverage D – Fair Rental Value
    • Property Coverages / Coverage E – Additional Living Expenses
    • Conditions
    • Exclusions
  • HOMEOWNERS POLICIES
    • Coverage Forms
    • Coverage Forms / HO-2 Broad Form
    • Coverage Forms / HO-3 Special Form
    • Coverage Forms / HO-4 Tenant (Contents) Form
    • Coverage Forms / HO-5 Comprehensive Form
    • Coverage Forms / HO-6 Condominium Unit Owners Form
    • Coverage Forms / HO-8 Modified Coverage Form
    • Definitions
    • Definitions / Resident Premises
    • Definitions / Named Insured
    • Definitions / Family Member/Relative
    • Section I – Property Coverages
    • Section I – Property Coverages / Coverage A – Dwelling
    • Section I – Property Coverages / Coverage B – Other Structures
    • Section I – Property Coverages / Coverage C – Personal Property
    • Section I – Property Coverages / Coverage D – Loss of Use
    • Perils Insured Against (Basic, Broad, Special)
    • Section II – Liability
    • Section II – Liability / Coverage E – Personal Liability
    • Section II – Liability / Coverage F – Medical payments
    • Conditions
    • Exclusions
    • Exclusions / Flood (National Flood Insurance Program (NFIP))
    • Exclusions / Flood (National Flood Insurance Program (NFIP)) / Eligibility
    • Exclusions / Wear/Tear
    • Exclusions / Mechanical Breakdown
    • Exclusions / Animals, Birds and Pets
    • Exclusions / Motor Vehicles
    • Exclusions / Earth Movement
    • Exclusions / Freezing of Pipes
    • Selected Endorsements
    • Selected Endorsements / Earthquake
    • Selected Endorsements / Water Back-Up and Sump Pump Failure
    • Selected Endorsements / Building Ordinance and Law
    • Selected Endorsements / Incidental business in home
    • Selected Endorsements / Equipment Breakdown
    • Boatowners
  • Automobile: Personal Auto
    • Liability
    • Liability / Bodily Injury
    • Liability / Property Damage
    • Liability / Split Limits
    • Liability / Combined Single Limit
    • Medical Payments
    • Physical Damage (collision; other than collision; specified perils)
    • Uninsured motorists
    • Underinsured motorists
    • Who is an insured
    • Who is an insured / Named Insured
    • Who is an insured / Family Member
    • Who is an insured / Those using with permission
    • Types of Auto
    • Types of Auto / Owned
    • Types of Auto / Non-owned
    • Types of Auto / Hired
    • Types of Auto / Temporary Substitute
    • Types of Auto / Newly Acquired Autos
    • Types of Auto / Transportation Expense and Rental Reimbursement Expense
    • Exclusions
    • Individual Insured and Drive Other Car (DOC)
  • COMMERCIAL GENERAL LIABILITY
    • Exposures
    • Exposures / Premises and Operations
    • Exposures / Products and Completed Operations
    • Coverage
    • Coverage / Coverage A: Bodily Injury and Property Damage Liability
    • Coverage / Coverage A: Bodily Injury and Property Damage Liability / Occurrence
    • Coverage / Coverage A: Bodily Injury and Property Damage Liability / Claims made
    • Coverage / Coverage A: Bodily Injury and Property Damage Liability / Claims made / Retroactive date
    • Coverage / Coverage B: Personal Injury and Advertising Injury
    • Coverage / Coverage C: Medical Payments
    • Coverage / Supplemental Payments
    • Coverage / Who is an insured
    • Coverage / Limits
    • Coverage / Limits / Per occurrence
    • Coverage / Limits / Annual Aggregate
    • Coverage / Damage to Property of Others
    • Coverage / Damage to Property of Others / Fire Legal Liability
    • Professional Liability
    • Professional Liability / Errors and Omissions
    • Professional Liability / Medical Malpractice
    • Professional Liability / Directors and Officers (D&O)
    • Professional Liability / Employment Practices Liability (EPLI)
    • Professional Liability / Cyber liability and data breach
  • WORKERS COMPENSATION INSURANCE, EMPLOYERS LIABILITY INSURANCE, AND RELATED ISSUES
    • Standard policy concepts
    • Standard policy concepts / Who is an employee/employer
    • Standard policy concepts / Compensation
    • Work-related vs. non-work-related
    • Other states’ insurance
    • Employers Liability
    • Exclusive remedy
    • Premium Determination
    • Indiana Worker’s Compensation Regulations
    • Indiana Worker’s Compensation Regulations / Benefits
    • Indiana Worker’s Compensation Regulations / Who Must Be Insured/Is Not Required to Be Insured
    • Indiana Worker’s Compensation Regulations / Minors
    • Indiana Worker’s Compensation Regulations / Second Injury Fund
    • Indiana Worker’s Compensation Regulations / Assigned Risk Plan
  • COMMERCIAL PACKAGE POLICIES
    • Components
    • Components / Common Policy Declarations
    • Components / Common Policy Conditions
    • Components / One or More Coverage Parts
    • Components / Liability and Medical Payments
    • Commercial Property
    • Commercial Property / Property Conditions Form
    • Commercial Property / Coverage Forms
    • Commercial Property / Coverage Forms / Building, Personal Property, Personal Property of Others
    • Commercial Property / Coverage Forms / Business Income
    • Commercial Property / Coverage Forms / Extra Expense
    • Commercial Property / Cause of Loss Forms
    • Commercial Property / Cause of Loss Forms / Basic
    • Commercial Property / Cause of Loss Forms / Broad
    • Commercial Property / Cause of Loss Forms / Special
    • Commercial Liability
    • Professional and Products Liability
    • Umbrella or Excess Liability
    • Commercial Inland Marine
    • Commercial Inland Marine / Definition and Purpose
    • Ocean Marine
    • Farm Coverage
    • Farm Coverage / Farm Property Coverage Forms
    • Farm Coverage / Farm Property Coverage Forms / Coverage A – Dwelling
    • Farm Coverage / Farm Property Coverage Forms / Coverage B – Other Structures
    • Farm Coverage / Farm Property Coverage Forms / Coverage C – Personal Property
    • Farm Coverage / Farm Property Coverage Forms / Coverage D – Loss of Use
    • Farm Coverage / Farm Property Coverage Forms / Coverage E – Scheduled Farm Personal Property
    • Farm Coverage / Farm Property Coverage Forms / Coverage F – Unscheduled Farm Personal Property
    • Farm Coverage / Farm Property Coverage Forms / Coverage G – Other Farm Structures
    • Farm Coverage / Farm Property Coverage Forms / Coverage H - Bodily Injury & property damage
    • Farm Coverage / Farm Property Coverage Forms / Coverage I - Personal & Advertising Injury
    • Farm Coverage / Farm Property Coverage Forms / Coverage J - Medical Payments
    • Farm Coverage / Causes of Loss (Basic, Broad, Special)
    • Farm Coverage / Crop-Hail Insurance versus Multi-Peril Crop Insurance
    • Farm Coverage / Conditions
    • Farm Coverage / Exclusions
  • BUSINESSOWNERS POLICY (BOP)
    • Definition and use
  • COMMERCIAL AUTO
    • Who is insured
    • Types of vehicles
    • Garage Coverage Form, including Garagekeepers Insurance
  • ADJUSTING LOSSES
    • Role of the Adjuster
    • Role of the Adjuster / Duties and Responsibilities
    • Role of the Adjuster / Public Adjuster
    • Role of the Adjuster / Independent Adjuster
    • Role of the Adjuster / Staff Adjuster
    • Role of the Adjuster / Relationship to the Legal Profession
    • Property and Casualty
    • Property and Casualty / Insured’s Duties Following a Loss
    • Property and Casualty / Insured’s Duties Following a Loss / Notice
    • Property and Casualty / Insured’s Duties Following a Loss / Minimizing Loss
    • Property and Casualty / Insured’s Duties Following a Loss / Proof of Loss
    • Property and Casualty / Insured’s Duties Following a Loss / Books and Records
    • Property and Casualty / Insured’s Duties Following a Loss / Abandonment
    • Property and Casualty / Claims Investigation Process and Procedures
    • Property and Casualty / Claims Investigation Process and Procedures / Critical Evidence
    • Property and Casualty / Claims Investigation Process and Procedures / Other Evidence
    • Property and Casualty / Claims Investigation Process and Procedures / Official Reports
    • Property and Casualty / Claims Investigation Process and Procedures / Written and Audio Statements
    • Property and Casualty / Determining Value and Loss
    • Property and Casualty / Determining Value and Loss / Burden of Proof of Loss and of Value
    • Property and Casualty / Determining Value and Loss / Estimates
    • Property and Casualty / Determining Value and Loss / Depreciation
    • Property and Casualty / Determining Value and Loss / Salvage
    • Property and Casualty / Claim Settlement Options/Releases
    • Property and Casualty / Payment and Discharge
    • Property and Casualty / Claims Adjustment Procedures
    • Property and Casualty / Claims Adjustment Procedures / Dispute Resolution
    • Property and Casualty / Claims Adjustment Procedures / Dispute Resolution / Appraisal
    • Property and Casualty / Claims Adjustment Procedures / Dispute Resolution / Arbitration
    • Property and Casualty / Claims Adjustment Procedures / Dispute Resolution / Litigation
    • Property and Casualty / Liability
    • Types of Adjuster Reports
    • Types of Adjuster Reports / Initial/Field Report
    • Types of Adjuster Reports / Interim Report
    • Types of Adjuster Reports / Full Report
  • BUILDING CONSTRUCTION
    • Construction Styles, Materials, Measurements and Components
    • Construction Styles, Materials, Measurements and Components / Roofing/Siding
    • Construction Styles, Materials, Measurements and Components / Framing
    • Construction Styles, Materials, Measurements and Components / Foundations
    • Construction Styles, Materials, Measurements and Components / Flooring
    • Construction Styles, Materials, Measurements and Components / Mechanical (e.g., Plumbing, Heating, Electrical)
    • Construction Styles, Materials, Measurements and Components / Water, Smoke and Fire Remediation
    • Construction Styles, Materials, Measurements and Components / Debris Removal
    • Construction Types
    • Construction Types / Stick-Built
    • Construction Types / Pre-Fabrication
    • Construction Types / Manufactured
    • Endorsements
    • Endorsements / Actual Cash Value Endorsement
    • Endorsements / Actual Cash Value Endorsement / Recoverable versus Non-Recoverable Depreciation
    • Endorsements / Matching Endorsement
    • Endorsements / Common Construction Endorsement
    • Endorsements / Amendatory Debris Removal
    • Building Codes and Code Enforcement
Examination sources