OpenExamsFREE PRACTICE — ANY EXAM

Mississippi Claims Adjuster — Requirements & Free Practice

US-MS · License preparation

154 free questions · Answer explanations · No signup required

Choose what to practice

Start with an exam below. Your examination requirements depend on your application pathway. View licensing requirements

Loading selected examination banks…

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.

Emergency Independent Adjuster

Catastrophe or emergency authorization lasting 90 days, extendable by the Commissioner for another 90 days.

Licensing authority: Mississippi Insurance Department · Application information

Commissioner extension of emergency authorization
No examination is required for this applicant pathway.
Existing Authorization
Existing 90-day emergency authorization; extension is at Commissioner’s discretion for an additional 90 days; not an ordinary renewal.

Official no-examination sources

Effective from 2026-09-22.

Emergency resident or nonresident issuance
No examination is required for this applicant pathway.
Certification
Certified by Mississippi-licensed independent adjuster; statute also permits certification by an insurer with a Mississippi office and authorized to do business here.
Duration
90 days, Commissioner may extend for another 90 days. Instructions summarize a maximum of 180 days and no renewal.
Filing
Application/certification within five days of beginning work; $50 fee due within thirty days of issuance.
Trigger
Catastrophe or emergency arising from disaster, act of God, riot, civil commotion, conflagration, or similar occurrence; Commissioner accepts applications.

Official no-examination sources

Effective from 2026-09-22.

Emergency Public Adjuster

Emergency public adjuster license issued for catastrophes or emergencies; not renewable and expires no more than 180 days after issuance.

Licensing authority: Mississippi Insurance Department · Application information

Commissioner extension of emergency authorization
No examination is required for this applicant pathway.
Existing Authorization
Existing 90-day emergency authorization; extension is at Commissioner’s discretion for an additional 90 days; not an ordinary renewal.

Official no-examination sources

Effective from 2026-09-22.

Emergency resident or nonresident issuance
No examination is required for this applicant pathway.
Certification
Certified by Mississippi-licensed public adjuster; Commissioner may approve another certifying person.
Duration
90 days, Commissioner may extend for another 90 days. Instructions summarize a maximum of 180 days and no renewal.
Filing
Application/certification within five days of beginning work; $50 fee due within thirty days of issuance.
Trigger
Catastrophe or emergency arising from disaster, act of God, riot, civil commotion, conflagration, or similar occurrence; Commissioner accepts applications.

Official no-examination sources

Effective from 2026-09-22.

Independent Adjuster

Independent adjustment of property and casualty claims including workers compensation; resident, nonresident, and designated-home-state pathways.

Licensing authority: Mississippi Insurance Department · Application information

Statutory grandfather exemption
No examination is required for this applicant pathway.
Application
Complete the prescribed application, disclosures and supporting documents, and pay the $100 individual fee.
Education
20 hours for the requested authority, or written proof of sufficient claims experience, special education or training accepted by MID.
Historic Practice
Principally engaged in investigating, adjusting or supervising losses for the year immediately preceding July 1, 1993, and so engaged on July 1, 1993; § 83-17-417(1)(a).
Minimum Age
At least 18; § 83-17-413(a).
Practice Exclusions
§ 83-17-401(a) excludes incidental attorney adjustment; salaried insurer claims employees; technical assistants; agents handling undisputed losses under their own policies; clerical work without contested-claim negotiation; life, accident and health claims; multiperil crop adjustment; and supervised portable-electronics data collection/entry within the statutory limit.
Trustworthiness
Trustworthy; evidence of competent claims experience, education, or training satisfactory to the Commissioner; § 83-17-413(d)-(e).

Official no-examination sources

Effective from 2026-09-22.

Mississippi adjuster designated home state initial licensure
P&C Adjuster with Workers Compensation
Application
Complete the prescribed application, disclosures and supporting documents, and pay the $100 individual fee.
Continuing Education
Mississippi continuing education applies at renewal.
Designation
Select Mississippi as designated home state on the nonresident application; satisfy the Mississippi examination for Property & Casualty including Workers Compensation.
Education
20 hours for the requested authority, or written proof of sufficient claims experience, special education or training accepted by MID.
Minimum Age
At least 18; § 83-17-413(a).
Practice Exclusions
§ 83-17-401(a) excludes incidental attorney adjustment; salaried insurer claims employees; technical assistants; agents handling undisputed losses under their own policies; clerical work without contested-claim negotiation; life, accident and health claims; multiperil crop adjustment; and supervised portable-electronics data collection/entry within the statutory limit.
Resident License
No active resident adjuster license in any state on PDB.
Trustworthiness
Trustworthy; evidence of competent claims experience, education, or training satisfactory to the Commissioner; § 83-17-413(d)-(e).
Nonresident licensure using the Mississippi examination
P&C Adjuster with Workers Compensation
Application
Complete the prescribed application, disclosures and supporting documents, and pay the $100 individual fee.
Education
20 hours for the requested authority, or written proof of sufficient claims experience, special education or training accepted by MID.
Minimum Age
At least 18; § 83-17-413(a).
Practice Exclusions
§ 83-17-401(a) excludes incidental attorney adjustment; salaried insurer claims employees; technical assistants; agents handling undisputed losses under their own policies; clerical work without contested-claim negotiation; life, accident and health claims; multiperil crop adjustment; and supervised portable-electronics data collection/entry within the statutory limit.
Requested Authority
Property & Casualty including Workers Compensation
Residency
Nonresident whose home jurisdiction lacks the required equivalent independent-adjuster licensing/examination; reciprocal eligibility under § 83-17-413(b), and federal employment/business compliance if outside the United States.
Trustworthiness
Trustworthy; evidence of competent claims experience, education, or training satisfactory to the Commissioner; § 83-17-413(d)-(e).
Nonresident limited property and casualty authority by affidavit
No examination is required for this applicant pathway.
Affidavit
Notarized affidavit certifying the resident Property & Casualty authority and that only those claims will be adjusted in Mississippi; workers compensation authority is not included.
Application
Complete the prescribed application, disclosures and supporting documents, and pay the $100 individual fee.
Education
20 hours for the requested authority, or written proof of sufficient claims experience, special education or training accepted by MID.
Home License
Resident property and casualty adjuster authority.
Minimum Age
At least 18; § 83-17-413(a).
Practice Exclusions
§ 83-17-401(a) excludes incidental attorney adjustment; salaried insurer claims employees; technical assistants; agents handling undisputed losses under their own policies; clerical work without contested-claim negotiation; life, accident and health claims; multiperil crop adjustment; and supervised portable-electronics data collection/entry within the statutory limit.
Trustworthiness
Trustworthy; evidence of competent claims experience, education, or training satisfactory to the Commissioner; § 83-17-413(d)-(e).

Official no-examination sources

Effective from 2026-09-22.

Nonresident reapplication after more than twelve months expired
No examination is required for this applicant pathway.
Application
Complete the prescribed application, disclosures and supporting documents, and pay the $100 individual fee.
Education
20 hours for the requested authority, or written proof of sufficient claims experience, special education or training accepted by MID.
Minimum Age
At least 18; § 83-17-413(a).
Practice Exclusions
§ 83-17-401(a) excludes incidental attorney adjustment; salaried insurer claims employees; technical assistants; agents handling undisputed losses under their own policies; clerical work without contested-claim negotiation; life, accident and health claims; multiperil crop adjustment; and supervised portable-electronics data collection/entry within the statutory limit.
Reciprocal License
MID verifies home-state licensure with reciprocal exam on SPLD; examinations of another state are applicant evidence.
Time Since Expiration
More than 12 months expired.
Trustworthiness
Trustworthy; evidence of competent claims experience, education, or training satisfactory to the Commissioner; § 83-17-413(d)-(e).

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocal credentials
No examination is required for this applicant pathway.
Application
Complete the prescribed application, disclosures and supporting documents, and pay the $100 individual fee.
Education
20 hours for the requested authority, or written proof of sufficient claims experience, special education or training accepted by MID.
License Held
Good-standing resident or designated-home-state adjuster license with the same or similar authority in a reciprocal jurisdiction.
Minimum Age
At least 18; § 83-17-413(a).
Other Jurisdiction Examination
The qualifying home or reciprocal jurisdiction examination is applicant evidence; another state’s examination is not a Mississippi requirement leaf.
Practice Exclusions
§ 83-17-401(a) excludes incidental attorney adjustment; salaried insurer claims employees; technical assistants; agents handling undisputed losses under their own policies; clerical work without contested-claim negotiation; life, accident and health claims; multiperil crop adjustment; and supervised portable-electronics data collection/entry within the statutory limit.
Requested Authority
Property & Casualty including Workers Compensation
Trustworthiness
Trustworthy; evidence of competent claims experience, education, or training satisfactory to the Commissioner; § 83-17-413(d)-(e).

Official no-examination sources

Effective from 2026-09-22.

New application following revocation
P&C Adjuster with Workers Compensation
Application
Complete the prescribed application, disclosures and supporting documents, and pay the $100 individual fee.
Discretion
Commissioner may refuse unless applicant shows good cause why revocation should not bar a new license; ordinary initial examination and exemption provisions apply.
Education
20 hours for the requested authority, or written proof of sufficient claims experience, special education or training accepted by MID.
Minimum Age
At least 18; § 83-17-413(a).
Practice Exclusions
§ 83-17-401(a) excludes incidental attorney adjustment; salaried insurer claims employees; technical assistants; agents handling undisputed losses under their own policies; clerical work without contested-claim negotiation; life, accident and health claims; multiperil crop adjustment; and supervised portable-electronics data collection/entry within the statutory limit.
Trustworthiness
Trustworthy; evidence of competent claims experience, education, or training satisfactory to the Commissioner; § 83-17-413(d)-(e).
Waiting Period
No new application within one year of effective revocation, or final affirming court order if judicial review is sought.
Reinstatement within twelve months after expiration
No examination is required for this applicant pathway.
Education
Complete required continuing education.
Fee
$100 renewal fee plus 50% late fee.
Licensure Lapse
MID gives a new issue date; reinstatement leaves a lapse in licensure.
Time Limit
Apply within 12 months of expiration.

Official no-examination sources

Effective from 2026-09-22.

Biennial renewal
No examination is required for this applicant pathway.
Continuing Education
12 approved hours if the license term is 18 months or less; 24 including 3 ethics hours if longer. Nonresident reciprocal home-state CE satisfies the applicable exemption; Mississippi DHS licensees complete Mississippi CE.
Existing License
Existing license in the requested authority; prescribed renewal application and $100 fee.

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure by examination
P&C Adjuster with Workers Compensation
Application
Complete the prescribed application, disclosures and supporting documents, and pay the $100 individual fee.
Education
20 hours for the requested authority, or written proof of sufficient claims experience, special education or training accepted by MID.
Minimum Age
At least 18; § 83-17-413(a).
Practice Exclusions
§ 83-17-401(a) excludes incidental attorney adjustment; salaried insurer claims employees; technical assistants; agents handling undisputed losses under their own policies; clerical work without contested-claim negotiation; life, accident and health claims; multiperil crop adjustment; and supervised portable-electronics data collection/entry within the statutory limit.
Requested Authority
Property & Casualty including Workers Compensation
Residency
Bona fide Mississippi resident.
Trustworthiness
Trustworthy; evidence of competent claims experience, education, or training satisfactory to the Commissioner; § 83-17-413(d)-(e).
Resident reapplication after more than twelve months expired
P&C Adjuster with Workers Compensation
Application
Complete the prescribed application, disclosures and supporting documents, and pay the $100 individual fee.
Education
20 hours for the requested authority, or written proof of sufficient claims experience, special education or training accepted by MID.
Minimum Age
At least 18; § 83-17-413(a).
Practice Exclusions
§ 83-17-401(a) excludes incidental attorney adjustment; salaried insurer claims employees; technical assistants; agents handling undisputed losses under their own policies; clerical work without contested-claim negotiation; life, accident and health claims; multiperil crop adjustment; and supervised portable-electronics data collection/entry within the statutory limit.
Time Since Expiration
More than 12 months expired; submit a first-time application; ordinary initial examination requirements and statutory exemptions apply.
Trustworthiness
Trustworthy; evidence of competent claims experience, education, or training satisfactory to the Commissioner; § 83-17-413(d)-(e).

Independent Adjuster Entity

Business entity with a designated Mississippi-licensed independent adjuster.

Licensing authority: Mississippi Insurance Department · Application information

Nonresident entity initial licensure
No examination is required for this applicant pathway.
Designated Licensee
List at least one Mississippi-licensed independent adjuster responsible for entity compliance; individual licensure is a condition of the entity application.
Entity Application
Complete the entity application and pay $400; corporation/partnership organizational documentation as required by the entity instructions.
Locations
List all branch locations; multiple locations do not require multiple licenses.
Residency
Home-state entity license verified on PDB; if that jurisdiction does not license these entities, provide its insurance authority’s letter stating licensing is not required.

Official no-examination sources

Effective from 2026-09-22.

Entity reapplication after expiration exceeding twelve months
No examination is required for this applicant pathway.
Nonresident
Home-state licensure is verified as applicable.
Time Limit
More than 12 months expired; submit a first-time entity application, satisfy designated-licensee and organizational requirements.

Official no-examination sources

Effective from 2026-09-22.

Entity reinstatement within twelve months after expiration
No examination is required for this applicant pathway.
Designated Licensee
Maintain the responsible Mississippi-licensed independent adjuster.
Fee
$400 renewal fee plus 50% late fee ($200).
Time Limit
Within 12 months of expiration; complete prescribed application or online reinstatement.

Official no-examination sources

Effective from 2026-09-22.

Biennial entity renewal
No examination is required for this applicant pathway.
Designated Licensee
Maintain the designated Mississippi-licensed independent adjuster.
License
Existing entity license, renewal application and $400 fee; expiration May 31 in the second year, minimum initial term 13 months.
Nonresident
MID verifies home-state licensure on SPLD.

Official no-examination sources

Effective from 2026-09-22.

Resident entity initial licensure
No examination is required for this applicant pathway.
Designated Licensee
List at least one Mississippi-licensed independent adjuster responsible for entity compliance; individual licensure is a condition of the entity application.
Entity Application
Complete the entity application and pay $400; corporation/partnership organizational documentation as required by the entity instructions.
Locations
List all branch locations; multiple locations do not require multiple licenses.
Residency
Mississippi resident entity eligible to designate Mississippi as home state.

Official no-examination sources

Effective from 2026-09-22.

Independent Adjuster Trainee Registration

Registration for supervised education and training for up to twelve months.

Licensing authority: Mississippi Insurance Department · Application information

Supervised trainee resident or nonresident registration
No examination is required for this applicant pathway.
Application
Complete and file the registration and $50 fee at the beginning of training.
Duration
No more than 12 months; nonrenewable.
Supervision
Certified, employed, directed and supervised by a Mississippi-licensed independent adjuster.

Official no-examination sources

Effective from 2026-09-22.

Public Adjuster Entity

Business entity with a designated Mississippi-licensed public adjuster.

Licensing authority: Mississippi Insurance Department · Application information

Nonresident entity initial licensure
No examination is required for this applicant pathway.
Designated Licensee
List at least one Mississippi-licensed public adjuster responsible for entity compliance; individual licensure is a condition of the entity application.
Entity Application
Complete the entity application and pay $400; corporation/partnership organizational documentation as required by the entity instructions.
Locations
List all branch locations; multiple locations do not require multiple licenses.
Residency
Home-state entity license verified on PDB; if that jurisdiction does not license these entities, provide its insurance authority’s letter stating licensing is not required.

Official no-examination sources

Effective from 2026-09-22.

Entity reapplication after expiration exceeding twelve months
No examination is required for this applicant pathway.
Nonresident
Home-state licensure is verified as applicable.
Time Limit
More than 12 months expired; submit a first-time entity application, satisfy designated-licensee and organizational requirements.

Official no-examination sources

Effective from 2026-09-22.

Entity reinstatement within twelve months after expiration
No examination is required for this applicant pathway.
Designated Licensee
Maintain the responsible Mississippi-licensed public adjuster.
Fee
$400 renewal fee plus 50% late fee ($200).
Time Limit
Within 12 months of expiration; complete prescribed application or online reinstatement.

Official no-examination sources

Effective from 2026-09-22.

Biennial entity renewal
No examination is required for this applicant pathway.
Designated Licensee
Maintain the designated Mississippi-licensed public adjuster.
License
Existing entity license, renewal application and $400 fee; expiration May 31 in the second year, minimum initial term 13 months.
Nonresident
MID verifies home-state licensure on SPLD.

Official no-examination sources

Effective from 2026-09-22.

Resident entity initial licensure
No examination is required for this applicant pathway.
Designated Licensee
List at least one Mississippi-licensed public adjuster responsible for entity compliance; individual licensure is a condition of the entity application.
Entity Application
Complete the entity application and pay $400; corporation/partnership organizational documentation as required by the entity instructions.
Locations
List all branch locations; multiple locations do not require multiple licenses.
Residency
Mississippi resident entity eligible to designate Mississippi as home state.

Official no-examination sources

Effective from 2026-09-22.

Public Adjuster Trainee Registration

Registration for supervised education and training for up to twelve months.

Licensing authority: Mississippi Insurance Department · Application information

Supervised trainee resident or nonresident registration
No examination is required for this applicant pathway.
Application
Complete and file the registration and $50 fee at the beginning of training.
Duration
No more than 12 months; nonrenewable.
Supervision
Certified, employed, directed and supervised by a Mississippi-licensed public adjuster.

Official no-examination sources

Effective from 2026-09-22.

P&C Adjuster with Workers Compensation

Provider
Pearson VUE
Format
Multiple-choice
Exam questions
60 scored and 5 unscored questions
Time limit
120 minutes
Passing score
70%
Exam fee
$50
Examination outline
  • PROPERTY AND CASUALTY INSURANCE TERMS AND CONCEPTS
    • Insurance
    • Law of large numbers
    • Insurable interest
    • Risk
    • Hazard
    • Peril
    • Loss (direct and indirect)
    • Proximate cause
    • Deductible
    • Indemnity
    • Actual cash value
    • Replacement cost
    • Limits of Liability
    • Coinsurance/Insurance to value
    • Accident
    • Occurrence
    • Cancellation
    • Nonrenewal
    • Liability
    • Negligence
    • Robbery
    • Burglary
    • Theft
  • TYPES OF PROPERTY POLICIES
    • Personal lines
    • Dwelling and contents (DP forms)
    • Personal liability
    • Homeowners (coverages and endorsements)
    • Mobile Homes
    • Commercial lines
    • Commercial property
    • Commercial building personal property form
    • Causes of loss forms
    • Business income
    • Extra expense
    • Commercial Package Policy (CPP)
    • Equipment Breakdown coverage forms
    • Businessowners Policy (BOP)
    • Farmowners
    • Ocean and Inland marine
    • Personal floaters
    • Commercial floaters
    • Nationwide definition
    • Additional coverages and exclusions
    • Flood
    • Business Interruption
    • Ordinance or Law
  • TYPES OF CASUALTY POLICIES
    • Commercial general liability
    • Premises and operations liability
    • Products and completed operations liability
    • Contractual liability
    • Medical payments
    • Owners and contractors protective liability
    • Automobile: personal and business auto
    • Liability
    • Physical damage (collision and comprehensive)
    • Uninsured/ Underinsured motorists
    • Named insureds
    • Insureds
    • Owned automobile
    • Nonowned automobile
    • Temporary substitute auto
    • Auto adjusting definitions (included operations, overlap areas, unibody damage)
    • Commercial crime
    • Coverage forms
    • Theft, disappearance, and destruction
    • Robbery and safe burglary
    • Premises burglary
    • Premises theft and robbery outside premises
    • Workers Compensation
    • Liability for compensation
    • Burden and standard of proof
    • Apportionment
    • Intoxication
    • Willful intent to injure
    • Compensation where third parties are liable
    • Statute of limitations
    • Indemnity benefits
    • Compensation for disability
    • Permanent total disability
    • Serious head or facial disfigurement
    • Partial or total loss of use of a member
    • Medical benefits
    • Right of selection
    • Duty to provide
    • Average weekly wage
    • Standard Fire Policy
    • Basic coverages
    • Limitations and restrictions
    • Loss
    • Appraisal
    • Professional liability
    • Umbrella/excess liability
    • Surety bonds
  • STATUTES, RULES, AND REGULATIONS PERTINENT TO ADJUSTERS
    • Commissioner of Insurance
    • Broad powers and duties
    • Examination of records
    • Investigations/Notice of hearing
    • Penalties
    • Adjuster licensing
    • License requirements
    • License suspension and revocation
    • Change of address
    • Definitions
    • Unfair trade practices
    • Unfair claims settlement practices
    • Misrepresentation
    • Unfair discrimination
  • PROPERTY INSURANCE STATUTES, RULES, AND REGULATIONS
    • Cancellation/Nonrenewal
  • CASUALTY INSURANCE STATUTES, RULES, AND REGULATIONS
    • Automobile Insurance/Financial Responsibility
    • Required limits Bodily Injury/Physical Damage
    • Cancellation/nonrenewal
Examination sources