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Hawaii Claims Adjuster — Requirements & Free Practice

US-HI · 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.

Crop Adjuster

Limited license confined to crop insurance claims under HRS §431:9-222.5, with alternative qualifying examinations and reexamination for biennial extension.

Licensing authority: Hawaii Department of Commerce and Consumer Affairs, Insurance Division, Insurance Commissioner · Application information

Nonresident Reinstatement After Voluntary Surrender
No examination is required for this applicant pathway.
After one year
After one year, apply as a new applicant; unresolved crop examination requirements are retained in the corresponding secondary-route note.
Continuing education
Meet any applicable continuing education requirements.
Fees
Pay a two-year service fee.
Filing
Apply electronically through NIPR.
Surrender
Crop adjuster license voluntarily surrendered within one year; reinstatement is distinct from biennial extension.

Official no-examination sources

Effective from 2026-09-22.

Resident Reinstatement After Voluntary Surrender
No examination is required for this applicant pathway.
After one year
After one year, apply as a new applicant; unresolved crop examination requirements are retained in the corresponding secondary-route note.
Continuing education
Meet any applicable continuing education requirements.
Fees
Pay a two-year service fee.
Filing
Apply electronically through NIPR.
Surrender
Crop adjuster license voluntarily surrendered within one year; reinstatement is distinct from biennial extension.

Official no-examination sources

Effective from 2026-09-22.

Independent Adjuster

Adjusts for insurers. Separate from the public adjuster license.

Licensing authority: commissioner · Application information

Nonresident Initial
Hawaii Adjuster Examination
Application
Apply electronically through NIPR; furnish identity, personal history, experience, business records, fingerprints and other facts required by the Commissioner under HRS §431:9-204.
Competence
Experience, special education, or training handling the applicable insurance loss claims of sufficient duration and extent to make the applicant competent.
Domicile
Domiciled in Hawaii or in a jurisdiction that permits Hawaii residents to act as adjusters there (HRS §431:9-222 or §431:9-222.5).
Email
Provide the Commissioner an electronic mail address under HAR §16-171-318.
Fees
Pay the applicable licensing fees.
Handbook exemption
The January 2026 handbook, p.3, states: 2. Applicants who held an insurance license in this state within the last two year period; The current statute and Commissioner’s Memorandum 2021-9LIC use a twelve-month reinstatement period; the handbook’s two-year wording is not used to extend that period.
Minimum age
At least eighteen years of age (HRS §431:9-203).
Residency
Nonresident; no adjuster reciprocity. Domicile must satisfy the statutory permission requirement.
Nonresident Late Renewal
No examination is required for this applicant pathway.
Continuing compliance
Comply with all applicable Chapter 431 requirements.
Fees
Pay renewal fees; late reinstatement requires the unpaid fee plus a penalty equal to double that unpaid fee.
Filing
Renew electronically through NIPR.
Previous license
License inactivated for nonpayment; application within twelve months of inactivation.
Renewal date
Last day of the individual licensee’s birth month; limited licenses extend biennially.

Official no-examination sources

Effective from 2026-09-22.

Nonresident Reinstatement After One Year
Hawaii Adjuster Examination
Application
Apply electronically through NIPR; furnish identity, personal history, experience, business records, fingerprints and other facts required by the Commissioner under HRS §431:9-204.
Competence
Experience, special education, or training handling the applicable insurance loss claims of sufficient duration and extent to make the applicant competent.
Domicile
Domiciled in Hawaii or in a jurisdiction that permits Hawaii residents to act as adjusters there (HRS §431:9-222 or §431:9-222.5).
Email
Provide the Commissioner an electronic mail address under HAR §16-171-318.
Fees
Pay the applicable licensing fees.
Handbook exemption
The January 2026 handbook, p.3, states: 2. Applicants who held an insurance license in this state within the last two year period; The current statute and Commissioner’s Memorandum 2021-9LIC use a twelve-month reinstatement period; the handbook’s two-year wording is not used to extend that period.
Inactivation
Previous Hawaii license inactive for more than one year; apply as a new applicant with the initial licensing requirements.
Minimum age
At least eighteen years of age (HRS §431:9-203).
Residency
Nonresident; no adjuster reciprocity. Domicile must satisfy the statutory permission requirement.
Nonresident Reinstatement After Voluntary Surrender
No examination is required for this applicant pathway.
After one year
After one year, apply as a new applicant under the initial licensing requirements.
Continuing education
Meet any applicable continuing education requirements.
Fees
Pay a two-year service fee.
Filing
Apply electronically through NIPR.
Surrender
License voluntarily surrendered within one year; this is reinstatement, not biennial extension.

Official no-examination sources

Effective from 2026-09-22.

Nonresident Renewal
No examination is required for this applicant pathway.
Continuing compliance
Comply with all applicable Chapter 431 requirements.
Fees
Pay renewal fees; late reinstatement requires the unpaid fee plus a penalty equal to double that unpaid fee.
Filing
Renew electronically through NIPR.
Previous license
Current license of this type.
Renewal date
Last day of the individual licensee’s birth month; limited licenses extend biennially.

Official no-examination sources

Effective from 2026-09-22.

Resident Initial
Hawaii Adjuster Examination
Application
Apply electronically through NIPR; furnish identity, personal history, experience, business records, fingerprints and other facts required by the Commissioner under HRS §431:9-204.
Competence
Experience, special education, or training handling the applicable insurance loss claims of sufficient duration and extent to make the applicant competent.
Domicile
Domiciled in Hawaii or in a jurisdiction that permits Hawaii residents to act as adjusters there (HRS §431:9-222 or §431:9-222.5).
Email
Provide the Commissioner an electronic mail address under HAR §16-171-318.
Fees
Pay the applicable licensing fees.
Fingerprint implementation
Schedule Fieldprint using code HI-DCCA-INS before applying.
Handbook exemption
The January 2026 handbook, p.3, states: 2. Applicants who held an insurance license in this state within the last two year period; The current statute and Commissioner’s Memorandum 2021-9LIC use a twelve-month reinstatement period; the handbook’s two-year wording is not used to extend that period.
Minimum age
At least eighteen years of age (HRS §431:9-203).
Residency
Hawaii resident.
Resident Late Renewal
No examination is required for this applicant pathway.
Continuing compliance
Comply with all applicable Chapter 431 requirements.
Fees
Pay renewal fees; late reinstatement requires the unpaid fee plus a penalty equal to double that unpaid fee.
Filing
Renew electronically through NIPR.
Previous license
License inactivated for nonpayment; application within twelve months of inactivation.
Renewal date
Last day of the individual licensee’s birth month; limited licenses extend biennially.

Official no-examination sources

Effective from 2026-09-22.

Resident Reinstatement After One Year
Hawaii Adjuster Examination
Application
Apply electronically through NIPR; furnish identity, personal history, experience, business records, fingerprints and other facts required by the Commissioner under HRS §431:9-204.
Competence
Experience, special education, or training handling the applicable insurance loss claims of sufficient duration and extent to make the applicant competent.
Domicile
Domiciled in Hawaii or in a jurisdiction that permits Hawaii residents to act as adjusters there (HRS §431:9-222 or §431:9-222.5).
Email
Provide the Commissioner an electronic mail address under HAR §16-171-318.
Fees
Pay the applicable licensing fees.
Fingerprint implementation
Schedule Fieldprint using code HI-DCCA-INS before applying.
Handbook exemption
The January 2026 handbook, p.3, states: 2. Applicants who held an insurance license in this state within the last two year period; The current statute and Commissioner’s Memorandum 2021-9LIC use a twelve-month reinstatement period; the handbook’s two-year wording is not used to extend that period.
Inactivation
Previous Hawaii license inactive for more than one year; apply as a new applicant with the initial licensing requirements.
Minimum age
At least eighteen years of age (HRS §431:9-203).
Residency
Hawaii resident.
Resident Reinstatement After Voluntary Surrender
No examination is required for this applicant pathway.
After one year
After one year, apply as a new applicant under the initial licensing requirements.
Continuing education
Meet any applicable continuing education requirements.
Fees
Pay a two-year service fee.
Filing
Apply electronically through NIPR.
Surrender
License voluntarily surrendered within one year; this is reinstatement, not biennial extension.

Official no-examination sources

Effective from 2026-09-22.

Resident Renewal
No examination is required for this applicant pathway.
Continuing compliance
Comply with all applicable Chapter 431 requirements.
Fees
Pay renewal fees; late reinstatement requires the unpaid fee plus a penalty equal to double that unpaid fee.
Filing
Renew electronically through NIPR.
Previous license
Current license of this type.
Renewal date
Last day of the individual licensee’s birth month; limited licenses extend biennially.

Official no-examination sources

Effective from 2026-09-22.

Public Adjuster

Solely represents the insured’s financial interests. Requires a separate license and a $10,000 surety bond; an approved cash or securities deposit may replace the bond during licensure.

Licensing authority: commissioner · Application information

Nonresident Initial
Hawaii Adjuster Examination
Application
Apply electronically through NIPR; furnish identity, personal history, experience, business records, fingerprints and other facts required by the Commissioner under HRS §431:9-204.
Competence
Experience, special education, or training handling the applicable insurance loss claims of sufficient duration and extent to make the applicant competent.
Domicile
Domiciled in Hawaii or in a jurisdiction that permits Hawaii residents to act as adjusters there (HRS §431:9-222 or §431:9-222.5).
Email
Provide the Commissioner an electronic mail address under HAR §16-171-318.
Fees
Pay the applicable licensing fees.
Handbook exemption
The January 2026 handbook, p.3, states: 2. Applicants who held an insurance license in this state within the last two year period; The current statute and Commissioner’s Memorandum 2021-9LIC use a twelve-month reinstatement period; the handbook’s two-year wording is not used to extend that period.
Minimum age
At least eighteen years of age (HRS §431:9-203).
Residency
Nonresident; no adjuster reciprocity. Domicile must satisfy the statutory permission requirement.
Surety bond
File and maintain a $10,000 surety bond executed by an authorized corporate surety approved by the Commissioner; attach a filed copy through NIPR within seven days of applying (HRS §431:9-223). During licensure, an approved cash or securities deposit may replace the bond.
Nonresident Late Renewal
No examination is required for this applicant pathway.
Continuing compliance
Comply with all applicable Chapter 431 requirements.
Fees
Pay renewal fees; late reinstatement requires the unpaid fee plus a penalty equal to double that unpaid fee.
Filing
Renew electronically through NIPR.
Previous license
License inactivated for nonpayment; application within twelve months of inactivation.
Renewal date
Last day of the individual licensee’s birth month; limited licenses extend biennially.
Surety bond
Maintain the public adjuster bond or approved equivalent deposit.

Official no-examination sources

Effective from 2026-09-22.

Nonresident Reinstatement After One Year
Hawaii Adjuster Examination
Application
Apply electronically through NIPR; furnish identity, personal history, experience, business records, fingerprints and other facts required by the Commissioner under HRS §431:9-204.
Competence
Experience, special education, or training handling the applicable insurance loss claims of sufficient duration and extent to make the applicant competent.
Domicile
Domiciled in Hawaii or in a jurisdiction that permits Hawaii residents to act as adjusters there (HRS §431:9-222 or §431:9-222.5).
Email
Provide the Commissioner an electronic mail address under HAR §16-171-318.
Fees
Pay the applicable licensing fees.
Handbook exemption
The January 2026 handbook, p.3, states: 2. Applicants who held an insurance license in this state within the last two year period; The current statute and Commissioner’s Memorandum 2021-9LIC use a twelve-month reinstatement period; the handbook’s two-year wording is not used to extend that period.
Inactivation
Previous Hawaii license inactive for more than one year; apply as a new applicant with the initial licensing requirements.
Minimum age
At least eighteen years of age (HRS §431:9-203).
Residency
Nonresident; no adjuster reciprocity. Domicile must satisfy the statutory permission requirement.
Surety bond
File and maintain a $10,000 surety bond executed by an authorized corporate surety approved by the Commissioner; attach a filed copy through NIPR within seven days of applying (HRS §431:9-223). During licensure, an approved cash or securities deposit may replace the bond.
Nonresident Reinstatement After Voluntary Surrender
No examination is required for this applicant pathway.
After one year
After one year, apply as a new applicant under the initial licensing requirements.
Continuing education
Meet any applicable continuing education requirements.
Fees
Pay a two-year service fee.
Filing
Apply electronically through NIPR.
Surrender
License voluntarily surrendered within one year; this is reinstatement, not biennial extension.

Official no-examination sources

Effective from 2026-09-22.

Nonresident Renewal
No examination is required for this applicant pathway.
Continuing compliance
Comply with all applicable Chapter 431 requirements.
Fees
Pay renewal fees; late reinstatement requires the unpaid fee plus a penalty equal to double that unpaid fee.
Filing
Renew electronically through NIPR.
Previous license
Current license of this type.
Renewal date
Last day of the individual licensee’s birth month; limited licenses extend biennially.
Surety bond
Maintain the public adjuster bond or approved equivalent deposit.

Official no-examination sources

Effective from 2026-09-22.

Resident Initial
Hawaii Adjuster Examination
Application
Apply electronically through NIPR; furnish identity, personal history, experience, business records, fingerprints and other facts required by the Commissioner under HRS §431:9-204.
Competence
Experience, special education, or training handling the applicable insurance loss claims of sufficient duration and extent to make the applicant competent.
Domicile
Domiciled in Hawaii or in a jurisdiction that permits Hawaii residents to act as adjusters there (HRS §431:9-222 or §431:9-222.5).
Email
Provide the Commissioner an electronic mail address under HAR §16-171-318.
Fees
Pay the applicable licensing fees.
Fingerprint implementation
Schedule Fieldprint using code HI-DCCA-INS before applying.
Handbook exemption
The January 2026 handbook, p.3, states: 2. Applicants who held an insurance license in this state within the last two year period; The current statute and Commissioner’s Memorandum 2021-9LIC use a twelve-month reinstatement period; the handbook’s two-year wording is not used to extend that period.
Minimum age
At least eighteen years of age (HRS §431:9-203).
Residency
Hawaii resident.
Surety bond
File and maintain a $10,000 surety bond executed by an authorized corporate surety approved by the Commissioner; attach a filed copy through NIPR within seven days of applying (HRS §431:9-223). During licensure, an approved cash or securities deposit may replace the bond.
Resident Late Renewal
No examination is required for this applicant pathway.
Continuing compliance
Comply with all applicable Chapter 431 requirements.
Fees
Pay renewal fees; late reinstatement requires the unpaid fee plus a penalty equal to double that unpaid fee.
Filing
Renew electronically through NIPR.
Previous license
License inactivated for nonpayment; application within twelve months of inactivation.
Renewal date
Last day of the individual licensee’s birth month; limited licenses extend biennially.
Surety bond
Maintain the public adjuster bond or approved equivalent deposit.

Official no-examination sources

Effective from 2026-09-22.

Resident Reinstatement After One Year
Hawaii Adjuster Examination
Application
Apply electronically through NIPR; furnish identity, personal history, experience, business records, fingerprints and other facts required by the Commissioner under HRS §431:9-204.
Competence
Experience, special education, or training handling the applicable insurance loss claims of sufficient duration and extent to make the applicant competent.
Domicile
Domiciled in Hawaii or in a jurisdiction that permits Hawaii residents to act as adjusters there (HRS §431:9-222 or §431:9-222.5).
Email
Provide the Commissioner an electronic mail address under HAR §16-171-318.
Fees
Pay the applicable licensing fees.
Fingerprint implementation
Schedule Fieldprint using code HI-DCCA-INS before applying.
Handbook exemption
The January 2026 handbook, p.3, states: 2. Applicants who held an insurance license in this state within the last two year period; The current statute and Commissioner’s Memorandum 2021-9LIC use a twelve-month reinstatement period; the handbook’s two-year wording is not used to extend that period.
Inactivation
Previous Hawaii license inactive for more than one year; apply as a new applicant with the initial licensing requirements.
Minimum age
At least eighteen years of age (HRS §431:9-203).
Residency
Hawaii resident.
Surety bond
File and maintain a $10,000 surety bond executed by an authorized corporate surety approved by the Commissioner; attach a filed copy through NIPR within seven days of applying (HRS §431:9-223). During licensure, an approved cash or securities deposit may replace the bond.
Resident Reinstatement After Voluntary Surrender
No examination is required for this applicant pathway.
After one year
After one year, apply as a new applicant under the initial licensing requirements.
Continuing education
Meet any applicable continuing education requirements.
Fees
Pay a two-year service fee.
Filing
Apply electronically through NIPR.
Surrender
License voluntarily surrendered within one year; this is reinstatement, not biennial extension.

Official no-examination sources

Effective from 2026-09-22.

Resident Renewal
No examination is required for this applicant pathway.
Continuing compliance
Comply with all applicable Chapter 431 requirements.
Fees
Pay renewal fees; late reinstatement requires the unpaid fee plus a penalty equal to double that unpaid fee.
Filing
Renew electronically through NIPR.
Previous license
Current license of this type.
Renewal date
Last day of the individual licensee’s birth month; limited licenses extend biennially.
Surety bond
Maintain the public adjuster bond or approved equivalent deposit.

Official no-examination sources

Effective from 2026-09-22.

Hawaii Adjuster Examination

Provider
Pearson VUE
Format
Computer-delivered examination at a test center or online through OnVUE
Exam questions
80 scored questions and 10 pretest questions
Time limit
105 minutes
Passing score
Scaled score of 70
Exam fee
$75
Examination outline
  • Types of Policies, Bonds, and Related Terms (16 scored questions)
    • Personal lines
    • Personal lines: Dwelling and contents (DP forms)
    • Personal lines: Personal liability
    • Personal lines: Homeowners (HO forms)
    • Commercial lines
    • Commercial lines: Commercial property
    • Commercial property: Commercial building and personal property forms
    • Commercial property: Causes of loss forms
    • Commercial property: Business income and extra expense
    • Commercial lines: Commercial Package Policy (CPP)
    • Commercial lines: Boiler and machinery coverage forms
    • Commercial lines: Businessowners Policy (BOP)
    • Inland marine
    • Inland marine: Personal floaters
    • Inland marine: Commercial floaters
    • Inland marine: Nationwide Definition
    • Others
    • Others: Flood
    • Others: Personal Watercraft
    • Others: Earthquake
    • Commercial general liability
    • Commercial general liability: Basic Hazards
    • Basic Hazards: Premises and Operations
    • Basic Hazards: Products and Completed Operations
    • Basic Hazards: Independent Contractors
    • Basic Hazards: Contractual
    • Commercial General Liability Coverage Forms
    • Coverage A: Bodily Injury and Property Damage Liability
    • Coverage A: Occurrence
    • Coverage A: Claims Made
    • Claims Made: Extended Reporting Periods: Basic and Supplemental
    • Claims Made: Retroactive Date
    • Coverage B: Personal Injury and Advertising Injury
    • Coverage C: Medical Payments
    • Supplementary Payments
    • Who is an insured
    • Limits
    • Conditions (The candidate also should be familiar with ISO’s Common Policy Conditions)
    • Automotive: personal auto and business (commercial) auto
    • Automotive: Liability
    • Automotive: Medical
    • Automotive: Physical damage (collision and other than collision/comprehensive)
    • Automotive: Uninsured motorists
    • Automotive: Underinsured motorists
    • Automotive: Who is an insured
    • Automotive: Types of Auto
    • Types of Auto: Owned
    • Types of Auto: Non-owned
    • Types of Auto: Temporary Substitute
    • Automotive: Garage Coverage Form, including Garagekeepers insurance
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.)
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues: Standard policy concepts
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues: Work-related vs. non-work-related
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues: Other states’ insurance
    • Bonding and Crime
    • Bonding and Crime: Fidelity
    • Bonding and Crime: Crime
    • Crime: Theft, disappearance, and destruction
    • Crime: Robbery and safe burglary
    • Crime: Premises burglary
    • Crime: Custodian
    • Crime: Messenger
    • Professional liability
    • Professional liability: Errors and Omissions
    • Umbrella/Excess liability
  • Insurance Terms and Related Concepts (16 scored questions)
    • Insurance
    • Insurable interest
    • Risk
    • Hazard
    • Peril
    • Loss
    • Loss: Direct
    • Loss: Indirect
    • Proximate cause
    • Deductible
    • Indemnity
    • Actual cash value
    • Replacement cost
    • Limits of liability
    • Coinsurance/Insurance to value
    • Pair and set clause
    • Extensions of coverage
    • Accident
    • Occurrence
    • Cancellation
    • Vacancy and unoccupancy
    • Right of salvage
    • Abandonment
    • Liability
    • Negligence
    • Burglary
    • Theft
    • Binders
    • Warranties
    • Representations
    • Concealment
    • Bodily injury liability
    • Property Damage liability
    • Personal injury liability
    • Insured contract
    • Deposit Premium/Audit
    • Certificate of Insurance
  • Policy Provisions and Contracts (16 scored questions)
    • Declarations
    • Insuring agreement
    • Conditions
    • Exclusions
    • Definition of the insured
    • Duties of the insured
    • Obligations of the insurance company
    • Mortgagee rights
    • Proof of loss
    • Notice of claim
    • Appraisal
    • Other Insurance Provision
    • Assignment
    • Subrogation
    • Arbitration
    • Warranties, representations, and concealment
    • Binders
    • Cancellation and nonrenewal policies
    • Additional (supplementary payments)
    • Claims made policy form
    • Salvage
    • Loss settlement provisions including consent to settle a loss
    • Limitations
  • Hawaii Laws and Rules Pertinent to Adjuster (12 scored questions)
    • Insurance Commissioner
    • Insurance Commissioner: General powers and duties
    • Insurance Commissioner: Examination of records
    • Insurance Commissioner: Notice of hearings
    • Insurance Commissioner: Penalties
    • Definitions
    • Definitions: Authorized and unauthorized
    • Definitions: Domestic, foreign, and alien
    • Definitions: Stock, reciprocal and mutual
    • Definitions: Certificate of authority
    • Definitions: Insurance
    • Licensing
    • Licensing: General provisions and definitions
    • Licensing: Licensing requirements
    • Licensing requirements: Adjuster
    • Licensing: Denial, suspension, revocation of licenses, reinstatements and fines
    • Licensing: Records and reporting requirements
    • Marketing practices
    • Marketing practices: Unfair and deceptive practices
    • Marketing practices: Public Adjuster contracts
    • Guaranty Associations
  • Hawaii Laws and Rules Pertinent to Property Insurance Only (6–8 scored questions)
    • Definitions
    • Definitions: Property insurance
    • Definitions: Marine and transportation insurance
    • Standard Form Fire Policy
    • Overinsurance
    • Hawaii Property Insurance Association (HPIA)
  • Hawaii Laws and Rules Pertinent to Casualty Insurance Only (12–14 scored questions)
    • Definition of Casualty Insurance
    • Hawaii Motor Vehicle Insurance Law
    • Hawaii Motor Vehicle Insurance Law: Purpose
    • Hawaii Motor Vehicle Insurance Law: Self-insurance
    • Hawaii Motor Vehicle Insurance Law: Required limits and coverages
    • Hawaii Motor Vehicle Insurance Law: Abolition of tort liability
    • Hawaii Motor Vehicle Insurance Law: Personal Injury Protection (PIP)
    • Hawaii Motor Vehicle Insurance Law: Premium determination
    • Hawaii Motor Vehicle Insurance Law: Hawaii Joint Underwriting Plan
    • Hawaii Motor Vehicle Insurance Law: Renewal, nonrenewal and cancellation
    • Financial Responsibility
    • Financial Responsibility: Definition of proof of financial responsibility
    • Financial Responsibility: Proof required
    • Uninsured and Underinsured Motorists
    • Worker’s Compensation
    • Worker’s Compensation: Definitions
    • Worker’s Compensation: Requirements
    • Requirements: Exclusiveness of right to compensation
    • Worker’s Compensation: Coverages
    • Coverages: Insurance contract
    • Worker’s Compensation: Benefits
    • Benefits: Total disability
Examination sources