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Arizona Claims Adjuster — Requirements & Free Practice

US-AZ · 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.

Adjuster

Property and casualty claims adjusted for an insurer or insured; individual and business-entity applicants use the same license class.

Licensing authority: Arizona Department of Insurance and Financial Institutions · Application information

Business entity initial licensure
No examination is required for this applicant pathway.
Applicant
A business entity applying for the Adjuster license; both resident and nonresident entities are covered by DIFI’s instructions.
Application
Submit the business-entity application and prescribed license fee through NIPR or on paper.
Assessment
PSI’s official licensing bulletin states that exam requirements do not apply to business-entity licenses.
Assumed Name
Submit Form L-193 for each name other than the genuine legal name used for insurance business.
Individual Licensing
DIFI states: "Individuals who act as adjusters or hold themselves out to be adjusters must be individually licensed, even if they work for a business-entity adjuster."

Official no-examination sources

Effective from 2026-09-22.

Initial licensure with a director approved claims certificate
No examination is required for this applicant pathway.
Application
Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
Background
The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
Certificate
Hold a current claims certificate issued by a national or state-based claims association whose certification program is approved by the director.
Certificate Assessment
The approved program must include a proctored examination of sufficient length to determine competency; the statute names no particular examination or association, so this qualification is a condition.
Certificate Renewal
At least 24 hours of continuing education must be required for certification renewals every two years.
Coursework
The program must include at least 40 hours of preexamination coursework.
License Fitness
The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
Minimum Age
An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
Waived Requirements
§ 20-321.01(C)(3) waives the state adjuster examination and the residency/reciprocity requirement in (C)(2).

Official no-examination sources

Effective from 2026-09-22.

Reapplication for the same authority held within the preceding 12 months
No examination is required for this applicant pathway.
Application
Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
Background
The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
Expiration
An expired license application during the first post-expiration year is treated as renewal under § 20-289(E).
License Fitness
The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
Minimum Age
An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
Prior License
Same license type and authority held in Arizona within the previous 12 months, other than a temporary license.
Surrender
This route does not override § 20-289(F), which subjects voluntarily surrendered authority to the requirements for a person not previously licensed.

Official no-examination sources

Effective from 2026-09-22.

New application after more than one year of expiration
Arizona Examination for Property and Casualty Insurance Adjuster Series 13-36
Additional Assessment
Under § 20-284(D), the director may supplement a written examination with an oral examination; no separate named assessment is identified, so this remains an applicant condition.
Application
Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
Attempt Limit
No more than four attempts in a 12-month period; after a fourth failure, wait one year under § 20-284(H).
Background
The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
Expiration
An application received more than one year after expiration is a new application under § 20-289(E).
License Fitness
The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
Minimum Age
An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
Passing Score Window
Pass the examination within the year before DIFI receives the license application; active military service can extend that period by the service duration up to 1.5 years under § 20-284(A)-(B).
Waivers
A separate current-license or approved-certificate waiver route may apply when its applicant conditions are met.
Nonresident initial licensure by examination
Arizona Examination for Property and Casualty Insurance Adjuster Series 13-36
Additional Assessment
Under § 20-284(D), the director may supplement a written examination with an oral examination; no separate named assessment is identified, so this remains an applicant condition.
Application
Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
Attempt Limit
No more than four attempts in a 12-month period; after a fourth failure, wait one year under § 20-284(H).
Background
The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
Current License
PSI requires the Arizona adjuster examination when the applicant does not hold a resident adjuster license in the resident state.
License Fitness
The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
Minimum Age
An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
Passing Score Window
Pass the examination within the year before DIFI receives the license application; active military service can extend that period by the service duration up to 1.5 years under § 20-284(A)-(B).
Residency
Applicant resides in another state that permits Arizona residents to act as adjusters and does not qualify for a current-license or claims-certificate waiver.
Nonresident licensure based on current home state license
No examination is required for this applicant pathway.
Application
Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
Application Evidence
Submit the home-state application or a completed NAIC uniform application and pay the prescribed fee.
Background
The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
Home State License
Currently holds a resident adjuster license in good standing in the home state.
License Fitness
The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
Minimum Age
An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
Other Jurisdiction Exam
Any examination taken for another state’s own license is prior qualification evidence and is not an Arizona examination leaf.
Reciprocity
The home state must issue equivalent nonresident licenses to Arizona residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Late renewal within one year after expiration
No examination is required for this applicant pathway.
Continuing Education
Insurance adjusters have no state insurance continuing-education renewal requirement.
Examination Exemption
§ 20-288(B)(2) exempts the same license authority held in the preceding 12 months.
Practice Restriction
The expired license does not authorize practice pending renewal.
Renewal
Within one year after expiration, submit the renewal application, quadrennial license fee and $100 late fee.

Official no-examination sources

Effective from 2026-09-22.

Renewal or reactivation following active military service
No examination is required for this applicant pathway.
Inactive Status
License or application is deemed inactive during active military service after the written request prescribed by § 20-289.01(A).
Military Service
Periodic and routine military-reservist service does not qualify.
Renewal Extension
Applicable renewal deadlines are extended by the active-service duration; include military documentation.

Official no-examination sources

Effective from 2026-09-22.

Timely license renewal
No examination is required for this applicant pathway.
Continuing Education
Insurance adjusters are not required to complete insurance continuing education to renew.
Renewal
Submit the approved renewal application and prescribed fee before expiration.
Verification
The director may request documents or fingerprints before renewal.

Official no-examination sources

Effective from 2026-09-22.

Continuous licensure when an Arizona resident moves to another state
No examination is required for this applicant pathway.
Fee And Application
§ 20-287(B) requires no new fee or license application.
New Resident License
Immediately notify the director after obtaining the new resident license.
Residency Change
Within 30 days after requesting a clearance letter, file the prescribed address change and apply for a resident license in the new home state.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure within 90 days of prior resident license cancellation
No examination is required for this applicant pathway.
Application
Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
Background
The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
Exclusion
The exception does not apply to the § 20-288(A)(2) sequence of four Arizona exam failures, subsequent out-of-state resident licensure and cancellation, and Arizona application within one year of the last Arizona exam.
Fingerprints
Relocating applicants must submit fingerprints through the DIFI process.
Good Standing
Other-state certification or other reliable information must show good standing at cancellation.
License Fitness
The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
Minimum Age
An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
Prior License
Same authority in another state; application received within 90 days after cancellation of the resident license.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure following relocation with a current out of state license
No examination is required for this applicant pathway.
Application
Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
Background
The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
Board Relocation Instructions
PSI’s Nonresident Applicants instructions state: "If you hold a resident insurance license in another state and are relocating to Arizona, you must submit a license application to the Department within 90 days after inactivating the resident license in your former state to avoid having to pass an Arizona insurance exam." The statute also exempts an applicant whose other-state license remains current.
Clearance
Provide a clearance letter showing good standing and cancellation date, unless DIFI can verify them in the Producer Database.
Fingerprints
Relocating applicants must submit fingerprints using DIFI’s electronic fingerprint process.
License Fitness
The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
Minimum Age
An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
Prior License
Previously licensed for the same authority in another state and currently licensed there under § 20-288(A)(1).

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure by examination
Arizona Examination for Property and Casualty Insurance Adjuster Series 13-36
Additional Assessment
Under § 20-284(D), the director may supplement a written examination with an oral examination; no separate named assessment is identified, so this remains an applicant condition.
Application
Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
Attempt Limit
No more than four attempts in a 12-month period; after a fourth failure, wait one year under § 20-284(H).
Background
The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
License Fitness
The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
Minimum Age
An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
Passing Score Window
Pass the examination within the year before DIFI receives the license application; active military service can extend that period by the service duration up to 1.5 years under § 20-284(A)-(B).
Residency
Applicant resides in Arizona and has no applicable examination exemption.
Reissuance after license revocation
Arizona Examination for Property and Casualty Insurance Adjuster Series 13-36
Additional Assessment
Under § 20-284(D), the director may supplement a written examination with an oral examination; no separate named assessment is identified, so this remains an applicant condition.
Application
Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
Attempt Limit
No more than four attempts in a 12-month period; after a fourth failure, wait one year under § 20-284(H).
Background
The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
License Fitness
The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
Minimum Age
An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
Passing Score Window
Pass the examination within the year before DIFI receives the license application; active military service can extend that period by the service duration up to 1.5 years under § 20-284(A)-(B).
Revocation
At least one year must have elapsed after revocation and the applicant must again qualify under the applicable provisions of Title 20.
Waivers
A separate examination-exempt initial pathway may apply only if its conditions are met.
Reissuance following voluntary surrender
Arizona Examination for Property and Casualty Insurance Adjuster Series 13-36
Additional Assessment
Under § 20-284(D), the director may supplement a written examination with an oral examination; no separate named assessment is identified, so this remains an applicant condition.
Application
Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
Attempt Limit
No more than four attempts in a 12-month period; after a fourth failure, wait one year under § 20-284(H).
Background
The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
Board Statement
The DIFI Portable Electronics Adjuster maintenance page states: "Surrendering a license is irrevocable. If you surrender a license or line of authority, you will not be able to reapply for that exact authority for at least one year." § 20-289(F) itself requires new-applicant qualifications.
License Fitness
The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
Minimum Age
An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
Passing Score Window
Pass the examination within the year before DIFI receives the license application; active military service can extend that period by the service duration up to 1.5 years under § 20-284(A)-(B).
Surrender
Under § 20-289(F), comply with the requirements applicable to a person who has not previously held the authority or license.
Waivers
The separate statutory current-license or approved-certificate pathways apply if their conditions are satisfied.

Portable Electronics Adjuster

Limited authority to adjust portable electronics insurance claims under A.R.S. § 20-321.01(G) or (H).

Licensing authority: Arizona Department of Insurance and Financial Institutions · Application information

Business entity portable electronics initial licensure
No examination is required for this applicant pathway.
Applicant
Business entity qualifying for limited portable-electronics authority under § 20-321.01(H); DIFI publishes business-entity application requirements.
Application
Submit NIPR or the prescribed paper application and license fee.
Home State Authorization
The entity’s resident state does not license adjusters but allows the entity to adjust portable electronics claims.
Individual Licensing
Individuals acting as adjusters must also be individually licensed unless a statutory exemption applies.
Restricted Authority
Only portable electronics insurance claims may be adjusted.

Official no-examination sources

Effective from 2026-09-22.

Canadian resident initial licensure for portable electronics claims
No examination is required for this applicant pathway.
Application
Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
Background
The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
Child Support Provision
§ 20-321.01(G) exempts a qualifying Canadian resident from § 25-320(P).
Examination Exemption
The current other-state license supplies the § 20-288(A)(1) exemption, applied through § 20-321.02(A).
License Fitness
The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
Minimum Age
An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
Other State License
Hold an adjuster license in another state that permits adjusting portable electronics insurance claims there.
Residency
Resident of Canada.
Restricted Authority
Adjust only portable electronics insurance claims.

Official no-examination sources

Effective from 2026-09-22.

New portable electronics application after more than one year of expiration
No examination is required for this applicant pathway.
Application
Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
Background
The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
Eligibility
Remain a qualifying Canadian resident with a current other-state adjuster license, or a resident of a state that does not license adjusters but permits portable-electronics adjustment.
Examination Exemption
§ 20-288(A)(1) applies to a qualifying current-license holder; § 20-288(B)(7) applies to a resident of a nonlicensing state adjusting only portable-electronics claims.
Expiration
After one year, the application is a new application.
License Fitness
The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
Minimum Age
An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
Restricted Authority
Adjust only portable electronics claims.

Official no-examination sources

Effective from 2026-09-22.

Late renewal within one year after expiration
No examination is required for this applicant pathway.
Continuing Education
Insurance adjusters have no state insurance continuing-education renewal requirement.
Examination Exemption
§ 20-288(B)(2) exempts the same license authority held in the preceding 12 months.
Practice Restriction
The expired license does not authorize practice pending renewal.
Renewal
Within one year after expiration, submit the renewal application, quadrennial license fee and $100 late fee.
Restricted Authority
Continue to qualify under § 20-321.01(G) or (H), and adjust only portable electronics insurance claims.

Official no-examination sources

Effective from 2026-09-22.

Renewal or reactivation following active military service
No examination is required for this applicant pathway.
Inactive Status
License or application is deemed inactive during active military service after the written request prescribed by § 20-289.01(A).
Military Service
Periodic and routine military-reservist service does not qualify.
Renewal Extension
Applicable renewal deadlines are extended by the active-service duration; include military documentation.
Restricted Authority
Continue to qualify under § 20-321.01(G) or (H), and adjust only portable electronics insurance claims.

Official no-examination sources

Effective from 2026-09-22.

Initial portable electronics licensure for residents of a state that does not license adjusters
No examination is required for this applicant pathway.
Application
Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
Background
The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
Fingerprints
DIFI requires fingerprints when the applicant resides in a state that does not issue this type of license.
Home State Authorization
Be otherwise allowed to adjust portable electronics insurance claims in the resident state.
License Fitness
The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
Minimum Age
An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
Residency
Reside in another state that does not issue adjuster licenses.
Restricted Authority
Adjust only portable electronics insurance policy claims in Arizona.

Official no-examination sources

Effective from 2026-09-22.

Return to the same portable electronics authority within 12 months
No examination is required for this applicant pathway.
Application
Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
Background
The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
Expiration
An expired-license application within one year is deemed renewal under § 20-289(E).
License Fitness
The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
Minimum Age
An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
Prior License
Same portable-electronics authority held in Arizona within the preceding 12 months, excluding temporary licenses.
Restricted Authority
Continue to qualify under § 20-321.01(G) or (H).

Official no-examination sources

Effective from 2026-09-22.

Portable electronics reissuance after revocation
No examination is required for this applicant pathway.
Application
Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
Background
The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
Eligibility
Remain a qualifying Canadian resident with a current other-state adjuster license, or a resident of a state that does not license adjusters but permits portable-electronics adjustment.
Examination Exemption
§ 20-288(A)(1) applies to a qualifying current-license holder; § 20-288(B)(7) applies to a resident of a nonlicensing state adjusting only portable-electronics claims.
License Fitness
The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
Minimum Age
An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
Restricted Authority
Adjust only portable electronics claims.
Revocation
Wait at least one year after revocation and again qualify under the applicable provisions of Title 20.

Official no-examination sources

Effective from 2026-09-22.

Portable electronics reissuance following voluntary surrender
No examination is required for this applicant pathway.
Application
Apply on the director’s prescribed form and pay the prescribed license fee; applications are available through NIPR or the NAIC uniform application.
Background
The director may require documents and fingerprints to determine eligibility under A.R.S. § 20-321.01(E), which refers to § 20-285(E)(2).
Board Waiting Period
DIFI’s portable-electronics maintenance instructions state that reapplication for surrendered authority is not permitted for at least one year.
Eligibility
Remain a qualifying Canadian resident with a current other-state adjuster license, or a resident of a state that does not license adjusters but permits portable-electronics adjustment.
Examination Exemption
§ 20-288(A)(1) applies to a qualifying current-license holder; § 20-288(B)(7) applies to a resident of a nonlicensing state adjusting only portable-electronics claims.
License Fitness
The applicant remains subject to denial grounds in A.R.S. § 20-295 through § 20-321.02(A).
Minimum Age
An individual applicant must be at least 18 years old under A.R.S. § 20-321.01(C)(1).
Restricted Authority
Adjust only portable electronics claims.
Surrender
Satisfy the original new-applicant qualifications under § 20-289(F).

Official no-examination sources

Effective from 2026-09-22.

Timely license renewal
No examination is required for this applicant pathway.
Continuing Education
Insurance adjusters are not required to complete insurance continuing education to renew.
Renewal
Submit the approved renewal application and prescribed fee before expiration.
Restricted Authority
Continue to qualify under § 20-321.01(G) or (H), and adjust only portable electronics insurance claims.
Verification
The director may request documents or fingerprints before renewal.

Official no-examination sources

Effective from 2026-09-22.

Salaried employee adjuster

Restricted adjuster license under A.R.S. § 20-321.03, valid and renewable only while adjusting as a salaried employee of an insurer or managing general agent.

Licensing authority: Arizona Department of Insurance and Financial Institutions · Application information

Initial licensure under the salaried employee examination waiver
No examination is required for this applicant pathway.
Application Deadline
Submit the prescribed application, fee and fingerprints on or before June 30, 2027.
Current License
Hold that active designated home state license in current good standing.
Employment
Salaried employee of an insurer or managing general agent; compensation is not contingent on claim outcome.
License Validity
Valid and renewable only while continuing to adjust in that salaried employment.
Prior License Date
Held an active designated home state adjuster license in another state before January 1, 2026.
Prior State Examination
Qualified for the other state’s designated home state license by passing a state-approved examination; another state’s own exam is a condition, not an Arizona leaf.
Residency
Resident of Arizona.
Restricted Authority
Adjust only as a salaried employee of an insurer or managing general agent; no claims for an insured or work outside that salaried capacity.

Official no-examination sources

Effective from 2026-09-22.

Late renewal within one year after expiration
No examination is required for this applicant pathway.
Continuing Education
Insurance adjusters have no state insurance continuing-education renewal requirement.
Employment
The license remains valid and renewable only while adjusting claims as a salaried employee of a licensed insurer or managing general agent.
Examination Exemption
§ 20-288(B)(2) exempts the same license authority held in the preceding 12 months.
Practice Restriction
The expired license does not authorize practice pending renewal.
Renewal
Within one year after expiration, submit the renewal application, quadrennial license fee and $100 late fee.
Restricted Authority
No adjusting for an insured or outside the salaried-employee capacity.

Official no-examination sources

Effective from 2026-09-22.

Renewal or reactivation following active military service
No examination is required for this applicant pathway.
Employment
The license remains valid and renewable only while adjusting claims as a salaried employee of a licensed insurer or managing general agent.
Inactive Status
License or application is deemed inactive during active military service after the written request prescribed by § 20-289.01(A).
Military Service
Periodic and routine military-reservist service does not qualify.
Renewal Extension
Applicable renewal deadlines are extended by the active-service duration; include military documentation.
Restricted Authority
No adjusting for an insured or outside the salaried-employee capacity.

Official no-examination sources

Effective from 2026-09-22.

Restricted salaried employee reissuance after revocation
No examination is required for this applicant pathway.
Application Deadline
Submit the prescribed application, fee and fingerprints on or before June 30, 2027.
Current License
Hold that active designated home state license in current good standing.
Employment
Salaried employee of an insurer or managing general agent; compensation is not contingent on claim outcome.
License Validity
Valid and renewable only while continuing to adjust in that salaried employment.
Prior License Date
Held an active designated home state adjuster license in another state before January 1, 2026.
Prior State Examination
Qualified for the other state’s designated home state license by passing a state-approved examination; another state’s own exam is a condition, not an Arizona leaf.
Residency
Resident of Arizona.
Restricted Authority
Adjust only as a salaried employee of an insurer or managing general agent; no claims for an insured or work outside that salaried capacity.
Revocation
At least one year must have elapsed after revocation; all § 20-321.03(A) qualifications, including the June 30, 2027 deadline, must be met again.

Official no-examination sources

Effective from 2026-09-22.

Reapplication for restricted salaried employee authority following surrender
No examination is required for this applicant pathway.
Application Deadline
Submit the prescribed application, fee and fingerprints on or before June 30, 2027.
Current License
Hold that active designated home state license in current good standing.
Employment
Salaried employee of an insurer or managing general agent; compensation is not contingent on claim outcome.
License Validity
Valid and renewable only while continuing to adjust in that salaried employment.
Prior License Date
Held an active designated home state adjuster license in another state before January 1, 2026.
Prior State Examination
Qualified for the other state’s designated home state license by passing a state-approved examination; another state’s own exam is a condition, not an Arizona leaf.
Residency
Resident of Arizona.
Restricted Authority
Adjust only as a salaried employee of an insurer or managing general agent; no claims for an insured or work outside that salaried capacity.
Surrender
Meet all original qualifications again; the June 30, 2027 application deadline still applies.

Official no-examination sources

Effective from 2026-09-22.

Timely license renewal
No examination is required for this applicant pathway.
Continuing Education
Insurance adjusters are not required to complete insurance continuing education to renew.
Employment
The license remains valid and renewable only while adjusting claims as a salaried employee of a licensed insurer or managing general agent.
Renewal
Submit the approved renewal application and prescribed fee before expiration.
Restricted Authority
No adjusting for an insured or outside the salaried-employee capacity.
Verification
The director may request documents or fingerprints before renewal.

Official no-examination sources

Effective from 2026-09-22.

Arizona Examination for Property and Casualty Insurance Adjuster Series 13-36

Provider
PSI Services LLC
Format
Closed-book examination delivered by computer at a test center or by remote proctoring
Exam questions
150 scored items; an additional 5–10 unscored experimental questions may be administered
Time limit
2.5 hours
Passing score
70% correct
Exam fee
$59
Examination outline
  • Insurance Regulation (6%)
    • Licensing requirements (20-321, 321.01)
    • Assumed name (20-297)
    • Qualifications
    • License application requirements
    • Licensing exceptions
    • Number of exam attempts 20-284(H)
    • Maintenance and duration
    • Expiration, surrender and renewal (20-289, 321.02)
    • Inactive status during military service (20-289.01)
    • Report of actions (20-301, 321.02)
    • Change of personal contact information (20-286(C))
    • Disciplinary actions
    • Denial, suspension, revocation or refusal to renew; civil penalties (20-295, 296, 321.02)
    • Cease and desist orders (20-292, 321.02)
    • Claim settlement laws and regulations (20-461, 462; Rule R20-6-801; RR R20-5- 163)
    • Insurance fraud (20-463, 466–466.04)
  • Federal Laws and Regulations (4%)
    • National Flood Insurance Program (NFIP)
    • Gramm-Leach-Bliley Act (20-2121; Public Law 106-102)
    • Prohibited Persons in Insurance (18 United States Code (USC) Sections 1033 and 1034) waiver
    • Terrorism Insurance Program (15 USC 6701; Public Law 107-297, 109-144, 110-160)
  • General Insurance Concepts (11%)
    • Risk
    • Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
    • Elements of Insurable Risks
    • Definitions (e.g., Risk, Hazard, Peril, Loss)
    • Classifications of Insurers
    • Mutual, Stock
    • Admitted, Non-Admitted
    • Foreign, Domestic, Alien
    • Elements of a Contract
    • Consideration
    • Competent Parties
    • Legal Purpose
    • Offer
    • Acceptance
    • Authority and Powers of Producers
    • Express
    • Implied
    • Apparent
    • The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Reasonable Expectations
    • Indemnity
    • Good Faith
    • Fraud
    • Warranties, Representations, Misrepresentations, and Concealment
  • Property and Casualty Insurance Basics (20%)
    • Insurable Interest
    • Liability
    • Absolute
    • Strict
    • Vicarious
    • Underwriting
    • Purpose
    • Process
    • Results
    • Rate Development
    • Types
    • Components
    • Basis
    • Types of Hazards
    • Types of Perils
    • Types of Loss
    • Direct
    • Indirect
    • Loss Valuation
    • Actual Cash Value
    • Replacement Cost
    • Functional Replacement Cost
    • Market Value
    • Agreed Value
    • Valued Policy
    • Basic Types of Construction
    • Negligence
    • Torts
    • Elements of a Negligent Act
    • Defense Against Negligence
    • Accident versus Occurrence
    • Policy Structure
    • Declarations
    • Definitions
    • Insuring Agreement
    • Additional/Supplementary Coverage
    • Conditions
    • Exclusions
    • Endorsements
    • Policy Clauses
    • Insureds
    • Policy Period
    • Policy Territory
    • Cancellation and Non-Renewal
    • Deductibles
    • Other Insurance
    • Nonconcurrency
    • Primary and Excess
    • Pro Rata
    • Contribution by Equal Shares
    • Limits of Liability
    • Per Accident
    • Per Occurrence
    • Per Person
    • Aggregate
    • Split Limits
    • Combined Single Limit
    • Coinsurance
    • Purpose
    • Definition
    • Calculation
    • Penalties
    • Total versus Partial Loss
    • Specific, Scheduled, and Blanket Insurance
    • Vacant versus Unoccupied
    • Named Insured Provisions
    • First Named Insured versus Other Insureds
    • Duties After Loss
    • Assignment
    • Waiver of Rights
    • Insurer Provisions
    • Liberalization
    • Subrogation
    • Claim Settlement Options
    • Duty to Defend
    • Third-Party Provisions
    • Standard Mortgage Clause
    • Loss Payable Clause
    • No Benefit to the Bailee
  • Dwelling Policy Concepts (7%)
    • Purpose and Eligibility
    • Perils Insured Against
    • Basic
    • Broad
    • Special
    • Property Coverages
    • Coverage A - Dwelling
    • Coverage B - Other Structures
    • Coverage C - Personal Property
    • Coverage D - Fair Rental Value
    • Coverage E - Additional Living Expenses
    • Other Coverages
    • Dwelling Property Conditions
    • Dwelling Property Exclusions
    • Dwelling Property Endorsements
    • Personal Liability Supplement
    • Coverage L - Personal Liability
    • Coverage M - Medical Payments to Others
  • Homeowners Policy Concepts (12%)
    • Definitions
    • Eligibility and Purpose
    • Homeowners Policy Coverage Forms
    • Broad (HO-2)
    • Special (HO-3)
    • Contents Broad (HO-4)
    • Comprehensive (HO-5)
    • Unit-Owners (HO-6)
    • Modified Coverages (HO-8)
    • Section I - Property Coverages
    • Coverage A - Dwelling
    • Coverage B - Other Structures
    • Coverage C - Personal Property
    • Coverage D - Loss of Use
    • Additional Coverages
    • Section II - Liability Coverages
    • Coverage E - Personal Liability
    • Coverage F - Medical Payments to Others
    • Additional Coverages
    • Homeowners Policy Exclusions
    • Section I-Property Covered Exclusions
    • Section II - Liability Covered Exclusions
    • Homeowners Policy Conditions
    • Homeowners Policy Endorsements
    • Business Pursuits
    • Earthquake
    • Home Day Care
    • Personal Injury
    • Personal Property Replacement Cost
    • Watercraft
    • Ordinance or Law
    • Scheduled Personal Property/Personal Articles Floater
  • Personal Automobile Policy (11%)
    • Definitions
    • Personal Injury Protection Definitions
    • Liability Coverage
    • Bodily Injury and Property Damage
    • Supplementary Payments
    • Exclusions
    • Medical Payments Coverage
    • Uninsured and Underinsured Motorists Coverage
    • Definitions
    • Bodily Injury
    • UM and UIM Rejection
    • Coverage for Damage to your Automobile
    • Collision
    • Other than Collision (Comprehensive)
    • Deductibles
    • Exclusions
    • Duties after an Accident or Loss
    • General Provisions
    • Endorsements
    • Towing and Labor Costs
    • Extended Non-Owned Coverage - Vehicles Furnished or Available for Regular Use
    • Joint Ownership Coverage
    • Rental Vehicle Coverage
  • Commercial Automobile Policy (5%)
    • Commercial Automobile Coverage Forms
    • Covered Automobiles
    • Hired Automobiles
    • Non-owned Automobiles
    • Liability
    • Physical Damage
    • Exclusions
    • Conditions
    • Definitions
    • Selected Endorsements
    • Lessor - Additional Insured and Loss Payee
    • Mobile Equipment
    • Property Protection Coverage
    • Broad Form Products
    • Employees as Insureds
  • Commercial Property Policies (6%)
    • Commercial Package Policy
    • Purpose
    • Definition
    • Coverages
    • Coverage Extensions
    • Commercial Policy Components
    • Declarations
    • Conditions
    • Insuring Agreements
    • Exclusions
    • Commercial Property Forms
    • Coverage Forms for Building and Business Personal Property
    • Builders Risk
    • Business Income
    • Extra Expense
    • Legal Liability
    • Cause of Loss Forms
    • Commercial Crime
    • Commercial Property Endorsements
    • Ordinance or Law
    • Peak Season Limit of Insurance
    • Spoilage
    • Value Reporting Form
    • Earthquake
    • Equipment Breakdown Coverages
    • Commercial Inland Marine - Purpose
    • Ocean Marine (Distinction Between Inland and Ocean)
    • Farm Property
    • Definitions
    • Conditions and Exclusions
    • Coverages
  • Commercial General Liability (5%)
    • Commercial Policy Components
    • Declarations
    • Conditions
    • Interline Endorsements
    • Commercial General Liability Coverages
    • Bodily Injury and Property Damage
    • Personal and Advertising Injury
    • Medical Payments
    • Conditions
    • Definitions
    • Exclusions
    • Occurrence versus Claims-made
    • Commercial General Liability Exposures
    • Premises and Operations
    • Products and Completed Operations
    • Contractual Liability
  • Other Types of Insurance Policies (2%)
    • Personal Umbrella, Commercial Umbrella, and Excess Policies
    • Underlying Limits
    • Self-Insured Retention
    • Mobile Home Policy (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement)
    • Deductible
  • Adjustment Process (11%)
    • Claim Notification Process
    • Date of Loss
    • Location
    • Parties Involved
    • Type of Loss (e.g., Liability, Property)
    • Investigation and Evaluation of Loss/Claim Information
    • Determination of Applicable Coverage
    • Inquiry into Relevant Information
    • Purpose of Loss Reserves
    • Remedies for Disputes
    • Appraisal
    • Mediation (Binding and Unbinding)
    • Arbitration (Binding and Unbinding)
    • Litigation
    • Finalization of Claim
    • Denial
    • Settlement
    • Closing Claim
Examination sources