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Rhode Island Claims Adjuster — License Examination Requirements

US-RI · License preparation

This page provides licensing requirements, not a question bank. Review the applicable pathway and official sources below.

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 Company Adjuster License

Temporary authority during a declared catastrophe, up to ninety days unless extended; public adjusters are ineligible.

Licensing authority: Rhode Island Department of Business Regulation, Insurance Division · Application information

Department approved extension of emergency licensure
No examination is required for this applicant pathway.
Discretion
The Department may extend the otherwise ninety-day emergency authority; remain within its authorized catastrophe work and duration.
Prior License
Existing temporary emergency company adjuster license.

Official no-examination sources

Effective from 2026-09-22.

Temporary emergency licensure during a declared catastrophe
No examination is required for this applicant pathway.
Catastrophe
A catastrophe must be officially declared and emergency authority activated; do not apply before it is triggered.
Duration
No more than ninety days unless extended by the Department.
Fees
No state license fee; applicant pays applicable NIPR service fees.
Notification
Insurer submits the prescribed temporary-emergency application and required identity, insurer, contract and catastrophe information within five days of deployment.
Practice
Comply with Rhode Island law; the adjuster and insurer remain responsible.
Qualification
Otherwise qualified to adjust; § 4.6(B) specifies an experienced adjuster licensed elsewhere or regularly adjusting where licensing is not required and working for an insurer authorized in Rhode Island, on homeowners’ losses.

Official no-examination sources

Effective from 2026-09-22.

Emergency Independent Adjuster License

Temporary authority during a declared catastrophe, up to ninety days unless extended; public adjusters are ineligible.

Licensing authority: Rhode Island Department of Business Regulation, Insurance Division · Application information

Department approved extension of emergency licensure
No examination is required for this applicant pathway.
Discretion
The Department may extend the otherwise ninety-day emergency authority; remain within its authorized catastrophe work and duration.
Prior License
Existing temporary emergency independent adjuster license.

Official no-examination sources

Effective from 2026-09-22.

Temporary emergency licensure during a declared catastrophe
No examination is required for this applicant pathway.
Catastrophe
A catastrophe must be officially declared and emergency authority activated; do not apply before it is triggered.
Duration
No more than ninety days unless extended by the Department.
Fees
No state license fee; applicant pays applicable NIPR service fees.
Notification
Insurer submits the prescribed temporary-emergency application and required identity, insurer, contract and catastrophe information within five days of deployment.
Practice
Comply with Rhode Island law; the adjuster and insurer remain responsible.
Qualification
Otherwise qualified to adjust; § 4.6(B) specifies an experienced adjuster licensed elsewhere or regularly adjusting where licensing is not required and working for an insurer authorized in Rhode Island, on homeowners’ losses.

Official no-examination sources

Effective from 2026-09-22.

Resident Insurance Adjuster Business Entity License

Voluntary resident business entity license; every person performing adjusting services must hold the applicable individual license.

Licensing authority: Rhode Island Department of Business Regulation, Insurance Division · Application information

Voluntary resident business entity initial issuance
No examination is required for this applicant pathway.
Application
Use the Uniform Business Entity Application, with Department approval and required fees.
Residency
Rhode Island resident business entity.
Responsible Adjuster
Designate a licensed adjuster responsible for compliance; all individuals performing adjusting services must be individually licensed. Their examinations belong to their individual license routes.

Official no-examination sources

Effective from 2026-09-22.

Business entity reinstatement within twelve months
No examination is required for this applicant pathway.
Prior License
Reinstate the expired entity license within twelve months of renewal due date, with the unpaid renewal fee, reinstatement fee, and applicable good-standing and responsible-licensee requirements.

Official no-examination sources

Effective from 2026-09-22.

Biennial business entity renewal
No examination is required for this applicant pathway.
Continuing Education
The rule’s continuing-education requirement applies to individuals, not an examination of the entity.
Prior License
Maintain the voluntary resident business entity adjuster license by biennial renewal and fees.
Responsible Adjuster
Maintain a designated licensed adjuster and individually licensed adjusting staff.

Official no-examination sources

Effective from 2026-09-22.