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Minnesota Claims Adjuster — Requirements & Free Practice

US-MN · 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 Hail Adjuster's License

Limited crop-hail adjuster license; qualifying FCIC competency training permits the statutory MPCI extension.

Licensing authority: Minnesota Department of Commerce · Application information

Business entity crop hail issuance
No examination is required for this applicant pathway.
Applicant
A business entity is a person within chapter 72B; satisfy resident entity criteria or the applicable nonresident reciprocity criteria.
Application
Submit the Crop Hail Adjuster application through Sircon; pay applicable licensing fees and satisfy applicable age, character, and application requirements.
Designated Adjuster
A resident business entity designates a licensed independent or public adjuster responsible for compliance.
Exam
Section 72B.041 subdivision 5(c) expressly exempts crop-hail applicants from subdivision 4.
Scope
Only crop damage by hail unless the statutory MPCI training extension is satisfied.

Official no-examination sources

Effective from 2026-09-22.

New crop hail license after discipline
No examination is required for this applicant pathway.
Application
Submit the Crop Hail Adjuster application through Sircon; pay applicable licensing fees and satisfy applicable age, character, and application requirements.
Disciplinary History
A previous license was suspended or revoked, or renewal was prohibited; the commissioner may require an additional surety bond up to $10,000 for a new license.
Exam
Section 72B.041 subdivision 5(c) expressly exempts crop-hail applicants from subdivision 4.
Scope
Only crop damage by hail unless the statutory MPCI training extension is satisfied.

Official no-examination sources

Effective from 2026-09-22.

Initial limited crop hail issuance
No examination is required for this applicant pathway.
Age
At least 18 years old.
Applicant
Resident individual or eligible Minnesota designated-home-state individual; ordinary residence qualifications apply.
Application
Submit the Crop Hail Adjuster application through Sircon and make truthful, correct, and complete declarations on the prescribed NAIC application.
Character
The commissioner must find the individual trustworthy, reliable, and of good reputation, with no disqualifying act under section 72B.08.
Exam
Section 72B.041 subdivision 5(c) expressly exempts crop-hail applicants from subdivision 4.
Fees
Pay applicable statutory licensing fees.
Home State
Eligible to designate Minnesota as the home state.
Scope
Only crop damage by hail unless the statutory MPCI training extension is satisfied.

Official no-examination sources

Effective from 2026-09-22.

MPCI extension through FCIC training
No examination is required for this applicant pathway.
Application
Submit the Crop Hail Adjuster application through Sircon; pay applicable licensing fees and satisfy applicable age, character, and application requirements.
Exam
Section 72B.041 subdivision 5(c) expressly exempts crop-hail applicants from subdivision 4.
Prior License
Hold the limited crop-hail adjuster license.
Proof
Commerce accepts evidence of the required FCIC training and competency testing.
Scope
Only crop damage by hail unless the statutory MPCI training extension is satisfied.
Training
Satisfactorily complete the FCIC Standard Reinsurance Agreement loss-adjustment curriculum and competency testing before adjusting FCIC-regulated MPCI policies.

Official no-examination sources

Effective from 2026-09-22.

MPCI extension through accepted NCIS CAPP evidence
Application
Submit the Crop Hail Adjuster application through Sircon; pay applicable licensing fees and satisfy applicable age, character, and application requirements.
Exam
Section 72B.041 subdivision 5(c) expressly exempts crop-hail applicants from subdivision 4.
Prior License
Hold the limited crop-hail adjuster license.
Scope
Only crop damage by hail unless the statutory MPCI training extension is satisfied.
Training
The section 72B.055 FCIC training and competency requirement controls; Commerce accepts evidence of satisfactory NCIS Crop Adjuster Proficiency Program completion. Full program completion is required beyond the three supplied nationwide examination versions.
Nonresident crop hail reciprocity
No examination is required for this applicant pathway.
Application
Submit the Crop Hail Adjuster application through Sircon; pay applicable licensing fees and satisfy applicable age, character, and application requirements.
Canadian Residents
Canadian residents using this pathway must hold a resident adjuster license under another state’s laws.
Exam
Section 72B.041 subdivision 5(c) expressly exempts crop-hail applicants from subdivision 4.
Prior License
Hold an adjuster license in good standing in the resident or designated home state; retain that license for continued Minnesota nonresident status.
Reciprocity
The home state must award Minnesota residents nonresident licenses on the same basis.
Scope
Only crop damage by hail unless the statutory MPCI training extension is satisfied.

Official no-examination sources

Effective from 2026-09-22.

Crop hail reapplication after lapse
No examination is required for this applicant pathway.
Application
Submit the Crop Hail Adjuster application through Sircon; pay applicable licensing fees and satisfy applicable age, character, and application requirements.
Exam
Section 72B.041 subdivision 5(c) expressly exempts crop-hail applicants from subdivision 4.
Hardship Relief
The commissioner may grant renewal-procedure and related sanction waivers for military service, long-term disability, or other extenuating circumstances.
Scope
Only crop damage by hail unless the statutory MPCI training extension is satisfied.
Timing
A license expired more than one year requires a new application; a lapsed business entity must reapply. The statutory crop-hail examination exemption remains applicable.

Official no-examination sources

Effective from 2026-09-22.

Crop hail reinstatement within 12 months
No examination is required for this applicant pathway.
Application
Submit the Crop Hail Adjuster application through Sircon; pay applicable licensing fees and satisfy applicable age, character, and application requirements.
Business Entities
Commerce does not allow business-entity reinstatement and requires reapplication.
Exam
Section 72B.041 subdivision 5(c) expressly exempts crop-hail applicants from subdivision 4.
Scope
Only crop damage by hail unless the statutory MPCI training extension is satisfied.
Timing
Request reissuance within 12 months of the renewal date and pay the double-fee penalty.

Official no-examination sources

Effective from 2026-09-22.

Timely crop hail renewal
No examination is required for this applicant pathway.
Application
Submit the Crop Hail Adjuster application through Sircon; pay applicable licensing fees and satisfy applicable age, character, and application requirements.
Continuing Education
Section 72B.045 subdivision 1 imposes its CE requirement on independent and public licensees; it does not impose that requirement on this crop-hail license class.
Exam
Section 72B.041 subdivision 5(c) expressly exempts crop-hail applicants from subdivision 4.
Scope
Only crop damage by hail unless the statutory MPCI training extension is satisfied.
Timing
File the renewal application and fee before the license expires.

Official no-examination sources

Effective from 2026-09-22.

Emergency Independent Adjuster License or Registration

Catastrophe registration under Minnesota Statutes section 72B.06; 180-day term with possible 180-day extension.

Licensing authority: commissioner of commerce · Application information

Emergency catastrophe deployment registration
No examination is required for this applicant pathway.
Applicant
Otherwise qualified to adjust claims and not already licensed in Minnesota.
Application
Complete the Commerce Catastrophe Adjuster Registration application through Sircon and pay the statutory registration fee.
Event
A statutory catastrophe exists and an insurer files the required statement of claim volume or severity.
Registration
Within five days of deployment, the insurer or employer notifies the commissioner in the prescribed format with the adjuster name, Social Security number, represented insurer, contract effective date, catastrophe loss-control number and name, and other required information.
Term
180 days, with possible extension for another 180 days.

Official no-examination sources

Effective from 2026-09-22.

Emergency registration extension
No examination is required for this applicant pathway.
Prior Registration
Hold an emergency independent-adjuster license or registration under section 72B.06.
Term
The commissioner may extend the 180-day authorization for 180 days.

Official no-examination sources

Effective from 2026-09-22.

CAPP Basic Provisions of Insurance exam

Provider
National Crop Insurance Services, Inc. (NCIS); online through the CAPP Accreditation Center (capp.ag-risk.org)
Format
Open book, timed, online, and proctored exam; one of the three separate CAPP exams of Part 2 (Proficiency Examination) of the Crop Adjuster Proficiency Program; 7-day waiting period before a second exam over the same topical area may be taken following a failed attempt; NCIS designates the Multiple Peril Crop Insurance Common Crop Policy as the source material for this exam
Passing score
80%
Examination outline
  • Basic Provisions of Insurance
Examination sources

CAPP General Insurance Information exam

Provider
National Crop Insurance Services, Inc. (NCIS); online through the CAPP Accreditation Center (capp.ag-risk.org)
Format
Open book, timed, online, and proctored exam; one of the three separate CAPP exams of Part 2 (Proficiency Examination) of the Crop Adjuster Proficiency Program; 7-day waiting period before a second exam over the same topical area may be taken following a failed attempt; NCIS designates the General Insurance Information Study Guide (General Insurance Terms, Concepts, and Federal Regulations Governing the Federal Crop Insurance Program) as the source material for this exam
Passing score
80%
Examination outline
  • General Insurance Information — concepts and principles, terms, definitions and professional conduct such as civil rights, ethics, and conflict of interest
    • Concepts and principles
    • Terms
    • Definitions
    • Professional conduct such as civil rights, ethics, and conflict of interest
Examination sources

CAPP Loss Adjustment Manual (LAM) exam

Provider
National Crop Insurance Services, Inc. (NCIS); online through the CAPP Accreditation Center (capp.ag-risk.org)
Format
Open book, timed, online, and proctored exam; one of the three separate CAPP exams of Part 2 (Proficiency Examination) of the Crop Adjuster Proficiency Program; 7-day waiting period before a second exam over the same topical area may be taken following a failed attempt; NCIS designates the Loss Adjustment Manual (LAM) as the source material for this exam
Passing score
80%
Examination outline
  • Loss Adjustment Manual (LAM)
Examination sources