Become an Alabama Insurance Adjuster

Licensing Rules and Regulations for Alabama Claims Adjusters

AdjusterPro's Bottom-line: 

NEW! As of January 1st, 2013, Alabama requires any individual seeking an Alabama adjuster license to complete an approved PreLicensing Course & Exam. AdjusterPro, in partnership with the University of Alabama, offers the PreLicensing Course & Exam either 100% online or in a 4-day classroom session held in Mobile or Birmingham.

  • Effective January 1, 2015 (upon its approval by the Commissioner of Insurance and upon its having been on file as a public document in the office of the Secretary of State for ten days): Criminal History Background Check. Any individual submitting an adjuster application for license shall be required to be fingerprinted by the approved third party contractor designated by the Alabama Department of Insurance, submit the required nonrefundable and nontransferable fee, and authorize the Alabama Department of Public Safety to conduct a criminal history background check and allow the release of any criminal history information to the Alabama Department of Insurance. Specific instructions for complying with this requirement will be provided on the Department’s Web page.


Adjuster License Requirements

To become a licensed Alabama insurance adjuster, individuals must:

  • Be 18 years of age.
  • Must complete the required 20 or 40 Hour Pre-licensing Adjuster Course from an approved provider for the requested line of authority. Must take and pass the State final exam and then apply for the license.

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."

Adjuster Lines of Authority for which a 20 or 40 hour exam must be taken:

  • Property and Casualty, including Workers' Compensation and Crop (40 hour)
  • Property and Casualty, excluding Workers' Compensation and Crop (20 hour)
  • Workers' Compensation (20 hour)
  • Crop (20 hour)

Apprentice Adjuster License (new license type/12 month: one-time only temporary license)

  • Apprentice Adjuster Property and Casualty, including Workers' Compensation and Crop
  • Apprentice Adjuster Property and Casualty, excluding Workers' Compensation and Crop
  • Apprentice Adjuster Workers' Compensation
  • Apprentice Adjuster Crop

Note: apprentice must be supervised by actively licensed Independent Adjuster who can only supervise up to five Apprentices at once.

Alabama License Application

Residents:

  • Alabama residents must apply online. Click Here.
  • Application fee of $20.00 and licensing 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.
  • Online: If your home state does not license adjusters or if you do not hold any license in your home state, you must apply online. Click Here.
  • Application fee of $20.00 and licensing fee of $80.00 will be accessed along with a credit card processing fee of 3.5%. (Fees are non-refundable).

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 in their resident state.
  • 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.
    • Registration is through T.E.A.R.S. online system (The Emergency Adjuster Registration System) and now requires a fee of $50 per individual registration. 
    • 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 reviewed the online registration.
    • If you need additional information, please call 334.241.4126 and request to speak with someone concerning emergency adjusters.

Maintaining Your License

  • As of January 2013, adjusters will be renewing in their birth month based on birth year, odd or even. Beginning January, 2014 continuing education is required for the independent adjuster license renewal as per the new Adjuster law (Act 2011-637) that went into effect January 1, 2012. Independent Adjusters will be required to complete 24 CE hours of which 3 should be in ethics. The renewal license can be printed by clicking here.
  • Adjuster licenses are renewed biennially. Individual adjusters are allowed to renew their license online 45 days prior to their birth month until the last day of their birth month. 
  • Adjuster licenses are continuous subject to payment of an $80.00 biennial renewal fee.

License Fees

  • Application Fee: $20
  • Licensing Fee: $80
  • Biennial License Renewal Fee: $80
  • Biennial License Late Renewal Fee: $120
  • Reinstatement Fee: $160

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

Adjuster Licensing Guide

Get started by selecting your state for State Licensing Requirements, Reciprocity, Exam Study Guides and Agency Contact Information.

     

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This information was obtained via a 2014 state by state survey and was based upon the best information available. Please be sure to verify the accuracy individually per state statutes.