Become an Alabama Insurance Adjuster

AdjusterPro's Bottom-line: With no exam required, the Alabama adjuster license is one of the easiest adjuster licenses to obtain. See below for application instructions and become licensed in one of the busier claims states.

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Adjuster License Requirements

To become a licensed Alabama insurance adjuster, individuals must:

• Be 19 years of age.
• Be a full-time salaried employee of a licensed adjuster or a graduate of a recognized law school or must have experience or special education or training in the handling of loss claims under insurance contracts of sufficient duration and reasonable extent to make him or her competent to fulfill the responsibilities of an adjuster.
• Be trustworthy and of good character.
• Have and maintain in this state an office accessible to the public and keep therein the usual and customary records pertaining to transactions under the license. (Section 27-9-8, Code of Alabama, 1975)

NOTE: Non-resident individuals and non-Alabama firms must permit Alabama resident adjusters and Alabama firms to act as adjusters by their home state.

Alabama defines an adjuster as "an individual or firm (corporation, partnership, or other business entity), who for compensation as an independent contractor, or as the employee of an independent contractor or for fee or commission, investigates and negotiates settlement of claims arising under insurance contracts on behalf of the insurer."

Alabama License Application

Residents:

• Alabama residents must apply online. Click Here.
• Application fee of $20.00 and application fee of $80.00 will be accessed along with a credit card processing fee of 3.5%. (Fees are non-refundable).

Non-residents:

• Online: If you hold any type of resident license in your home state, you must apply online.. Click Here.
• Paper application: If your home state does not license adjusters or if you do not hold any license in your home state, the process is as follows:
  • Alabama Adjuster Application Form AL-90 must be completed and submitted with a fee of $100.00 (application fee of $20.00 and license fee of $80.00)
  • No examination is required.
  • Application and $100.00 fee should be mailed to: Alabama Department of Insurance, Attn: Accounting, PO Box 303351, Montgomery, AL 36130-3351 (make checks payable to Commissioner of Insurance, State of Alabama)
  • Once the application has been approved and fees paid, the individual is licensed.

Reporting Change of Address

If your address changes, you are required to fill out the Address Change Form.

Reciprocity

• Alabama grants reciprocal licensing privileges to anyone holding a license from another state, providing that they have sufficient experience and training (see requirements above).
• Emergency Adjusters: the Alabama Insurance Code, Section 27-9-4, allows adjusters not licensed in the state and acting on behalf of an insurer to conduct business within the state in the event of a catastrophe.
  • Emergency Adjusters who will be employed by an Alabama insurer may register online, or by filling out Form AL-EAD-1 and Form AL-EAD-2.
  • Registration as Emergency Adjuster is required in order to be issued Disaster Emergency Adjuster Passes and Disaster Emergency Adjuster Access Passes
  • The insurer will be notified when the Alabama Department of Insurance has received Form AL-EAD-1 OR when the online registration is reviewed

Maintaining Your License

• NEW: Alabama requires 24 hours of continuing education every 2 years.
• Adjuster licenses are continuous subject to payment of an $80.00 biennial renewal fee.

License Fees

• Initial Licensing and Application Fee: $100
• Biennial License Renewal Fee: $80

Contact the Alabama Department of Insurance

Alabama Insurance Department, PO Box 303351, Montgomery, Alabama 36130

Phone: (334) 269-3550, Fax: (334) 241-4192, Email: insdept@insurance.alabama.gov