OpenExamsFREE PRACTICE — ANY EXAM

Arizona Public Adjuster — Requirements & Free Practice

US-AZ · License preparation

142 free questions · Answer explanations · No signup required

Choose what to practice

Start with an exam below. Your examination requirements depend on your application pathway. View licensing requirements

Loading selected examination banks…

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

Arizona licenses individuals and business entities as adjusters. Public adjuster describes insured-side work under this license. The salaried-employee-only license under A.R.S. 20-321.03 prohibits adjusting claims for an insured and is outside this profession.

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

Individual licensure with a director approved claims certificate
Arizona Examination for Property and Casualty Insurance Adjuster Series 13-36
Age
At least eighteen years old (A.R.S. 20-321.01(C)(1)).
Application
Apply on the director-prescribed form and pay the license fee under A.R.S. 20-321.01(B); DIFI accepts initial applications through NIPR.
Attempt Limit
No more than four attempts in twelve months; after four failures, wait one year under A.R.S. 20-284(H).
Certificate
A current claims certificate from a national or state-based claims association whose program the director approves; at least forty hours of preexamination coursework, a sufficiently long proctored competency examination, and at least twenty-four hours of continuing education for biennial certification renewal. No specific association examination is identified in the statute.
Exam Exemption
A.R.S. 20-321.01(C)(3) waives the Arizona examination and the reciprocal-residency qualification for this applicant. This is an applicant-specific waiver of the identified examination, recorded as a condition.
Fingerprints
The director may require fingerprints and the associated fee under A.R.S. 20-321.01(E). The PSI bulletin requires fingerprints from Arizona residents and applicants relocating to Arizona.
Oral Supplement
Under A.R.S. 20-284(D), the director may supplement a written examination with an oral examination. No separately identified oral examination is specified; this is an applicant condition.
Score Window
The passing examination must fall within the year preceding receipt of the application under A.R.S. 20-284(A), applied by 20-321.02(A); qualifying active military service extends that period as specified in 20-284(B).
Business entity relicensure after more than one year of expiration
No examination is required for this applicant pathway.
Applicant
Business entity, resident or nonresident, seeking insured-side adjuster authority.
Application
Submit the DIFI-prescribed initial application through NIPR and pay the license fee.
Assumed Name
DIFI requires Form L-193 for a name other than the genuine legal name.
Individual Licenses
Individuals acting or holding themselves out as adjusters must each hold an individual adjuster license even when working for the licensed business entity.
Prior Status
The same license expired more than one year ago; A.R.S. 20-289(E) treats the application as a new application.

Official no-examination sources

Effective from 2026-09-22.

Business entity relicensure after revocation
No examination is required for this applicant pathway.
Applicant
Business entity, resident or nonresident, seeking insured-side adjuster authority.
Application
Submit the DIFI-prescribed initial application through NIPR and pay the license fee.
Assumed Name
DIFI requires Form L-193 for a name other than the genuine legal name.
Individual Licenses
Individuals acting or holding themselves out as adjusters must each hold an individual adjuster license even when working for the licensed business entity.
Prior Status
At least one year must pass after revocation and the person must again qualify under the applicable licensing provisions, pursuant to A.R.S. 20-296(A).

Official no-examination sources

Effective from 2026-09-22.

Business entity relicensure after voluntary surrender
No examination is required for this applicant pathway.
Applicant
Business entity, resident or nonresident, seeking insured-side adjuster authority.
Application
Submit the DIFI-prescribed initial application through NIPR and pay the license fee.
Assumed Name
DIFI requires Form L-193 for a name other than the genuine legal name.
Board Instruction
DIFI Insurance Professionals / License Expiration vs. License Surrender 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."
Individual Licenses
Individuals acting or holding themselves out as adjusters must each hold an individual adjuster license even when working for the licensed business entity.
Prior Status
The director accepted a voluntary surrender; A.R.S. 20-289(F) requires compliance with requirements applicable to a person who has not previously held the authority or license.
Recent License Exemption
A.R.S. 20-288(B)(2) separately exempts recent holders of the same type and lines of non-temporary license from examination; the applicable surrender and new-applicant rules remain applicant conditions.

Official no-examination sources

Effective from 2026-09-22.

Business entity initial adjuster licensure
No examination is required for this applicant pathway.
Applicant
Business entity, resident or nonresident, seeking insured-side adjuster authority.
Application
Submit the DIFI-prescribed initial application through NIPR and pay the license fee.
Assumed Name
DIFI requires Form L-193 for a name other than the genuine legal name.
Individual Licenses
Individuals acting or holding themselves out as adjusters must each hold an individual adjuster license even when working for the licensed business entity.

Official no-examination sources

Effective from 2026-09-22.

Business entity late renewal within one year
No examination is required for this applicant pathway.
Applicant
business entity holding the general adjuster license.
Application
Submit the director-approved renewal application and license fee by expiration. The director may request verification documents and fingerprints under A.R.S. 20-289(C)-(D).
Continuing Education
The Arizona PSI bulletin, page 16, states that continuing education is not required to renew an insurance adjuster license.
Late Period
Apply during the year after expiration, remain otherwise qualified, and pay the quadrennial renewal fee plus the additional $100 late renewal fee; stop adjusting until the expired license is renewed.
Term
Individual licenses expire quadrennially at the end of the birth month; business-entity licenses expire four years after issuance or the renewal due date, under A.R.S. 20-289(B).

Official no-examination sources

Effective from 2026-09-22.

Business entity timely renewal
No examination is required for this applicant pathway.
Applicant
business entity holding the general adjuster license.
Application
Submit the director-approved renewal application and license fee by expiration. The director may request verification documents and fingerprints under A.R.S. 20-289(C)-(D).
Continuing Education
The Arizona PSI bulletin, page 16, states that continuing education is not required to renew an insurance adjuster license.
Term
Individual licenses expire quadrennially at the end of the birth month; business-entity licenses expire four years after issuance or the renewal due date, under A.R.S. 20-289(B).

Official no-examination sources

Effective from 2026-09-22.

Individual relicensure after more than one year of expiration
Arizona Examination for Property and Casualty Insurance Adjuster Series 13-36
Age
At least eighteen years old (A.R.S. 20-321.01(C)(1)).
Applicable Exemptions
Same-line licensure elsewhere may excuse examination under A.R.S. 20-288(A); a director-approved current claims certificate may waive the examination under 20-321.01(C)(3).
Application
Apply on the director-prescribed form and pay the license fee under A.R.S. 20-321.01(B); DIFI accepts initial applications through NIPR.
Attempt Limit
No more than four attempts in twelve months; after four failures, wait one year under A.R.S. 20-284(H).
Fingerprints
The director may require fingerprints and the associated fee under A.R.S. 20-321.01(E). The PSI bulletin requires fingerprints from Arizona residents and applicants relocating to Arizona.
Oral Supplement
Under A.R.S. 20-284(D), the director may supplement a written examination with an oral examination. No separately identified oral examination is specified; this is an applicant condition.
Prior Status
The same license expired more than one year ago; A.R.S. 20-289(E) treats the application as a new application.
Score Window
The passing examination must fall within the year preceding receipt of the application under A.R.S. 20-284(A), applied by 20-321.02(A); qualifying active military service extends that period as specified in 20-284(B).
Individual relicensure after revocation
Arizona Examination for Property and Casualty Insurance Adjuster Series 13-36
Age
At least eighteen years old (A.R.S. 20-321.01(C)(1)).
Applicable Exemptions
Same-line licensure elsewhere may excuse examination under A.R.S. 20-288(A); a director-approved current claims certificate may waive the examination under 20-321.01(C)(3).
Application
Apply on the director-prescribed form and pay the license fee under A.R.S. 20-321.01(B); DIFI accepts initial applications through NIPR.
Attempt Limit
No more than four attempts in twelve months; after four failures, wait one year under A.R.S. 20-284(H).
Fingerprints
The director may require fingerprints and the associated fee under A.R.S. 20-321.01(E). The PSI bulletin requires fingerprints from Arizona residents and applicants relocating to Arizona.
Oral Supplement
Under A.R.S. 20-284(D), the director may supplement a written examination with an oral examination. No separately identified oral examination is specified; this is an applicant condition.
Prior Status
At least one year must pass after revocation and the person must again qualify under the applicable licensing provisions, pursuant to A.R.S. 20-296(A).
Score Window
The passing examination must fall within the year preceding receipt of the application under A.R.S. 20-284(A), applied by 20-321.02(A); qualifying active military service extends that period as specified in 20-284(B).
Individual relicensure after voluntary surrender
Arizona Examination for Property and Casualty Insurance Adjuster Series 13-36
Age
At least eighteen years old (A.R.S. 20-321.01(C)(1)).
Applicable Exemptions
Same-line licensure elsewhere may excuse examination under A.R.S. 20-288(A); a director-approved current claims certificate may waive the examination under 20-321.01(C)(3).
Application
Apply on the director-prescribed form and pay the license fee under A.R.S. 20-321.01(B); DIFI accepts initial applications through NIPR.
Attempt Limit
No more than four attempts in twelve months; after four failures, wait one year under A.R.S. 20-284(H).
Board Instruction
DIFI Insurance Professionals / License Expiration vs. License Surrender 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."
Fingerprints
The director may require fingerprints and the associated fee under A.R.S. 20-321.01(E). The PSI bulletin requires fingerprints from Arizona residents and applicants relocating to Arizona.
Oral Supplement
Under A.R.S. 20-284(D), the director may supplement a written examination with an oral examination. No separately identified oral examination is specified; this is an applicant condition.
Prior Status
The director accepted a voluntary surrender; A.R.S. 20-289(F) requires compliance with requirements applicable to a person who has not previously held the authority or license.
Recent License Exemption
A.R.S. 20-288(B)(2) separately exempts recent holders of the same type and lines of non-temporary license from examination; the applicable surrender and new-applicant rules remain applicant conditions.
Score Window
The passing examination must fall within the year preceding receipt of the application under A.R.S. 20-284(A), applied by 20-321.02(A); qualifying active military service extends that period as specified in 20-284(B).
Individual late renewal within one year
No examination is required for this applicant pathway.
Applicant
individual holding the general adjuster license.
Application
Submit the director-approved renewal application and license fee by expiration. The director may request verification documents and fingerprints under A.R.S. 20-289(C)-(D).
Continuing Education
The Arizona PSI bulletin, page 16, states that continuing education is not required to renew an insurance adjuster license.
Late Period
Apply during the year after expiration, remain otherwise qualified, and pay the quadrennial renewal fee plus the additional $100 late renewal fee; stop adjusting until the expired license is renewed.
Term
Individual licenses expire quadrennially at the end of the birth month; business-entity licenses expire four years after issuance or the renewal due date, under A.R.S. 20-289(B).

Official no-examination sources

Effective from 2026-09-22.

Individual renewal following inactive military service status
No examination is required for this applicant pathway.
Application
Submit the director-approved renewal application and license fee by expiration. The director may request verification documents and fingerprints under A.R.S. 20-289(C)-(D).
Continuing Education
The Arizona PSI bulletin, page 16, states that continuing education is not required to renew an insurance adjuster license.
Extension
Renewal deadlines extend by the days of qualifying active service; provide armed-forces documentation. Periodic or routine reservist service is excluded.
Inactive Service
Existing license was placed on inactive status during qualifying active military service under A.R.S. 20-289.01(A)-(B).
Term
Individual licenses expire quadrennially at the end of the birth month; business-entity licenses expire four years after issuance or the renewal due date, under A.R.S. 20-289(B).

Official no-examination sources

Effective from 2026-09-22.

Individual timely renewal
No examination is required for this applicant pathway.
Applicant
individual holding the general adjuster license.
Application
Submit the director-approved renewal application and license fee by expiration. The director may request verification documents and fingerprints under A.R.S. 20-289(C)-(D).
Continuing Education
The Arizona PSI bulletin, page 16, states that continuing education is not required to renew an insurance adjuster license.
Term
Individual licenses expire quadrennially at the end of the birth month; business-entity licenses expire four years after issuance or the renewal due date, under A.R.S. 20-289(B).

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual licensure by home state credentials
Arizona Examination for Property and Casualty Insurance Adjuster Series 13-36
Age
At least eighteen years old (A.R.S. 20-321.01(C)(1)).
Application
Apply on the director-prescribed form and pay the license fee under A.R.S. 20-321.01(B); DIFI accepts initial applications through NIPR.
Attempt Limit
No more than four attempts in twelve months; after four failures, wait one year under A.R.S. 20-284(H).
Exam Exemption
A.R.S. 20-288(A)(1), applied through 20-321.02(A), excuses an applicant currently licensed for the same lines in another state from taking the Arizona examination. The examination remains referenced with this applicant-specific exemption.
Fingerprints
The director may require fingerprints and the associated fee under A.R.S. 20-321.01(E). The PSI bulletin requires fingerprints from Arizona residents and applicants relocating to Arizona.
Home State License
Currently holds a resident license in good standing for the corresponding authority; submit the prescribed request/application and fees, and the home state must reciprocate under A.R.S. 20-287(A).
Oral Supplement
Under A.R.S. 20-284(D), the director may supplement a written examination with an oral examination. No separately identified oral examination is specified; this is an applicant condition.
Score Window
The passing examination must fall within the year preceding receipt of the application under A.R.S. 20-284(A), applied by 20-321.02(A); qualifying active military service extends that period as specified in 20-284(B).
Nonresident individual initial licensure without a resident adjuster license
Arizona Examination for Property and Casualty Insurance Adjuster Series 13-36
Age
At least eighteen years old (A.R.S. 20-321.01(C)(1)).
Application
Apply on the director-prescribed form and pay the license fee under A.R.S. 20-321.01(B); DIFI accepts initial applications through NIPR.
Attempt Limit
No more than four attempts in twelve months; after four failures, wait one year under A.R.S. 20-284(H).
Fingerprints
The director may require fingerprints and the associated fee under A.R.S. 20-321.01(E). The PSI bulletin requires fingerprints from Arizona residents and applicants relocating to Arizona.
Oral Supplement
Under A.R.S. 20-284(D), the director may supplement a written examination with an oral examination. No separately identified oral examination is specified; this is an applicant condition.
Prior License
Does not hold a resident adjuster license in the resident state; the PSI bulletin expressly requires the Arizona examination.
Residency
Resident of another state that allows Arizona residents to act as adjusters under A.R.S. 20-321.01(C)(2).
Score Window
The passing examination must fall within the year preceding receipt of the application under A.R.S. 20-284(A), applied by 20-321.02(A); qualifying active military service extends that period as specified in 20-284(B).
Resident individual initial licensure by examination
Arizona Examination for Property and Casualty Insurance Adjuster Series 13-36
Age
At least eighteen years old (A.R.S. 20-321.01(C)(1)).
Application
Apply on the director-prescribed form and pay the license fee under A.R.S. 20-321.01(B); DIFI accepts initial applications through NIPR.
Attempt Limit
No more than four attempts in twelve months; after four failures, wait one year under A.R.S. 20-284(H).
Fingerprints
The director may require fingerprints and the associated fee under A.R.S. 20-321.01(E). The PSI bulletin requires fingerprints from Arizona residents and applicants relocating to Arizona.
Oral Supplement
Under A.R.S. 20-284(D), the director may supplement a written examination with an oral examination. No separately identified oral examination is specified; this is an applicant condition.
Residency
Arizona resident; the examination is Series 13-36.
Score Window
The passing examination must fall within the year preceding receipt of the application under A.R.S. 20-284(A), applied by 20-321.02(A); qualifying active military service extends that period as specified in 20-284(B).
Resident individual licensure after relocating with prior credentials
Arizona Examination for Property and Casualty Insurance Adjuster Series 13-36
Age
At least eighteen years old (A.R.S. 20-321.01(C)(1)).
Application
Apply on the director-prescribed form and pay the license fee under A.R.S. 20-321.01(B); DIFI accepts initial applications through NIPR.
Attempt Limit
No more than four attempts in twelve months; after four failures, wait one year under A.R.S. 20-284(H).
Clearance
The PSI bulletin requires prior-state clearance information, unless DIFI can verify the prior status and inactivation date through the Producer Database.
Exam Exemption
The ninety-day same-line transfer exempts the applicant from taking the Arizona examination. The exemption does not apply to the four-failure scenario expressly excluded in A.R.S. 20-288(A)(2).
Fingerprints
The director may require fingerprints and the associated fee under A.R.S. 20-321.01(E). The PSI bulletin requires fingerprints from Arizona residents and applicants relocating to Arizona.
Oral Supplement
Under A.R.S. 20-284(D), the director may supplement a written examination with an oral examination. No separately identified oral examination is specified; this is an applicant condition.
Prior License
Previously licensed for the same lines of authority in another state; submit within ninety days after cancellation with certification of good standing or reliable licensing information under A.R.S. 20-288(A)(2).
Score Window
The passing examination must fall within the year preceding receipt of the application under A.R.S. 20-284(A), applied by 20-321.02(A); qualifying active military service extends that period as specified in 20-284(B).
Conversion of an existing resident license after moving
No examination is required for this applicant pathway.
Notice
Within thirty days after requesting a clearance letter, file a change of address and apply for licensing in the new resident state; immediately notify the director after receiving that resident license. A.R.S. 20-287(B) requires no fee or license application.
Prior License
Hold an existing resident Arizona adjuster license and move to another state.

Official no-examination sources

Effective from 2026-09-22.

  • A.R.S. 20-321-02

    20-321.02(A), incorporated licensing laws (complete short statute confirmed)

  • A.R.S. 20-287

    20-287(B), resident-to-nonresident conversion

Portable Electronics Adjuster

Limited adjuster authority for portable electronics insurance claims under A.R.S. 20-321.01(G)-(H). Arizona residents use the ordinary adjuster license.

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

Limited business entity relicensure more than one year after expiration
No examination is required for this applicant pathway.
Applicant
Business entity, resident or nonresident, seeking insured-side adjuster authority.
Application
Submit the DIFI-prescribed initial application through NIPR and pay the license fee.
Assumed Name
DIFI requires Form L-193 for a name other than the genuine legal name.
Individual Licenses
Individuals acting or holding themselves out as adjusters must each hold an individual adjuster license even when working for the licensed business entity.
Prior Status
Application more than one year after expiration is a new application under 20-289(E).
Scope
Portable electronics insurance claims only.

Official no-examination sources

Effective from 2026-09-22.

Limited business entity relicensure after revocation
No examination is required for this applicant pathway.
Applicant
Business entity, resident or nonresident, seeking insured-side adjuster authority.
Application
Submit the DIFI-prescribed initial application through NIPR and pay the license fee.
Assumed Name
DIFI requires Form L-193 for a name other than the genuine legal name.
Individual Licenses
Individuals acting or holding themselves out as adjusters must each hold an individual adjuster license even when working for the licensed business entity.
Prior Status
Wait at least one year after revocation and again qualify under 20-296(A).
Scope
Portable electronics insurance claims only.

Official no-examination sources

Effective from 2026-09-22.

Limited business entity relicensure after voluntary surrender
No examination is required for this applicant pathway.
Applicant
Business entity, resident or nonresident, seeking insured-side adjuster authority.
Application
Submit the DIFI-prescribed initial application through NIPR and pay the license fee.
Assumed Name
DIFI requires Form L-193 for a name other than the genuine legal name.
Individual Licenses
Individuals acting or holding themselves out as adjusters must each hold an individual adjuster license even when working for the licensed business entity.
Prior Status
Comply with new-applicant qualifications after surrender under 20-289(F); DIFI states that reapplication for surrendered authority requires waiting at least one year.
Scope
Portable electronics insurance claims only.

Official no-examination sources

Effective from 2026-09-22.

Business entity limited portable electronics licensure
No examination is required for this applicant pathway.
Applicant
Resident or nonresident business entity applying for portable-electronics-only adjuster authority, as DIFI specifies.
Application
Submit the prescribed application and pay the license fee.
Individual Licenses
Individuals performing adjuster activities must each hold an individual adjuster license.
Scope
Portable electronics insurance claims only.

Official no-examination sources

Effective from 2026-09-22.

Business entity limited license late renewal
No examination is required for this applicant pathway.
Applicant
business entity holding a portable-electronics-only adjuster license.
Application
Submit the director-approved renewal application and license fee by expiration. The director may request verification documents and fingerprints under A.R.S. 20-289(C)-(D).
Continuing Education
The Arizona PSI bulletin, page 16, states that continuing education is not required to renew an insurance adjuster license.
Late Period
Apply within one year after expiration, remain otherwise qualified, and pay the renewal fee plus the $100 late renewal fee.
Scope
Portable electronics insurance claims only.
Term
Individual licenses expire quadrennially at the end of the birth month; business-entity licenses expire four years after issuance or the renewal due date, under A.R.S. 20-289(B).

Official no-examination sources

Effective from 2026-09-22.

Business entity limited license timely renewal
No examination is required for this applicant pathway.
Applicant
business entity holding a portable-electronics-only adjuster license.
Application
Submit the director-approved renewal application and license fee by expiration. The director may request verification documents and fingerprints under A.R.S. 20-289(C)-(D).
Continuing Education
The Arizona PSI bulletin, page 16, states that continuing education is not required to renew an insurance adjuster license.
Scope
Portable electronics insurance claims only.
Term
Individual licenses expire quadrennially at the end of the birth month; business-entity licenses expire four years after issuance or the renewal due date, under A.R.S. 20-289(B).

Official no-examination sources

Effective from 2026-09-22.

Canadian limited individual relicensure more than one year after expiration
Arizona Examination for Property and Casualty Insurance Adjuster Series 13-36
Application
Submit the director-prescribed initial application and license fee. DIFI accepts NIPR or the NAIC uniform application.
Board Instruction
DIFI describes this class as holding an adjuster license permitting portable-electronics adjustment.
Exam Exemption
Current same-line licensure elsewhere or the qualifying ninety-day cancellation window excuses the Arizona examination under 20-288(A); the identified examination is retained with that condition.
Fingerprints
DIFI may require fingerprints under A.R.S. 20-321.01(E); its portable-electronics qualifications state that an applicant residing in a state that does not issue this license must submit fingerprints.
Prior Status
Application more than one year after expiration is a new application under 20-289(E).
Residency
Canadian resident who has obtained an adjuster license in another state allowing portable-electronics adjustment.
Scope
Portable electronics insurance claims only.
Canadian limited individual relicensure after revocation
Arizona Examination for Property and Casualty Insurance Adjuster Series 13-36
Application
Submit the director-prescribed initial application and license fee. DIFI accepts NIPR or the NAIC uniform application.
Board Instruction
DIFI describes this class as holding an adjuster license permitting portable-electronics adjustment.
Exam Exemption
Current same-line licensure elsewhere or the qualifying ninety-day cancellation window excuses the Arizona examination under 20-288(A); the identified examination is retained with that condition.
Fingerprints
DIFI may require fingerprints under A.R.S. 20-321.01(E); its portable-electronics qualifications state that an applicant residing in a state that does not issue this license must submit fingerprints.
Prior Status
Wait at least one year after revocation and again qualify under 20-296(A).
Residency
Canadian resident who has obtained an adjuster license in another state allowing portable-electronics adjustment.
Scope
Portable electronics insurance claims only.
Canadian limited individual relicensure after voluntary surrender
Arizona Examination for Property and Casualty Insurance Adjuster Series 13-36
Application
Submit the director-prescribed initial application and license fee. DIFI accepts NIPR or the NAIC uniform application.
Board Instruction
DIFI describes this class as holding an adjuster license permitting portable-electronics adjustment.
Exam Exemption
Current same-line licensure elsewhere or the qualifying ninety-day cancellation window excuses the Arizona examination under 20-288(A); the identified examination is retained with that condition.
Fingerprints
DIFI may require fingerprints under A.R.S. 20-321.01(E); its portable-electronics qualifications state that an applicant residing in a state that does not issue this license must submit fingerprints.
Prior Status
Comply with new-applicant qualifications after surrender under 20-289(F); DIFI states that reapplication for surrendered authority requires waiting at least one year.
Residency
Canadian resident who has obtained an adjuster license in another state allowing portable-electronics adjustment.
Scope
Portable electronics insurance claims only.
Limited individual licensure for a Canadian resident
Arizona Examination for Property and Casualty Insurance Adjuster Series 13-36
Application
Submit the director-prescribed initial application and license fee. DIFI accepts NIPR or the NAIC uniform application.
Board Instruction
DIFI describes the Canadian class as a resident who holds an adjuster license in another state permitting portable-electronics adjustment.
Child Support Form
A Canadian resident qualifying under A.R.S. 20-321.01(G) is not subject to section 25-320(P).
Exam Exemption
A.R.S. 20-288(A), applied through 20-321.02(A), exempts an applicant currently licensed for the same authority in another state, or within its qualifying ninety-day cancellation window. The Canadian residence and previously obtained license are conditions; the current Arizona examination remains identified if the exemption is not met.
Fingerprints
DIFI may require fingerprints under A.R.S. 20-321.01(E); its portable-electronics qualifications state that an applicant residing in a state that does not issue this license must submit fingerprints.
Residency
Resident of Canada who has obtained an adjuster license in another state allowing that person to adjust portable electronics insurance claims; A.R.S. 20-321.01(G).
Scope
Authority extends only to adjusting portable electronics insurance claims in Arizona.
Individual limited license late renewal
No examination is required for this applicant pathway.
Applicant
individual holding a portable-electronics-only adjuster license.
Application
Submit the director-approved renewal application and license fee by expiration. The director may request verification documents and fingerprints under A.R.S. 20-289(C)-(D).
Continuing Education
The Arizona PSI bulletin, page 16, states that continuing education is not required to renew an insurance adjuster license.
Late Period
Apply within one year after expiration, remain otherwise qualified, and pay the renewal fee plus the $100 late renewal fee.
Scope
Portable electronics insurance claims only.
Term
Individual licenses expire quadrennially at the end of the birth month; business-entity licenses expire four years after issuance or the renewal due date, under A.R.S. 20-289(B).

Official no-examination sources

Effective from 2026-09-22.

Limited license renewal following inactive military service
No examination is required for this applicant pathway.
Application
Submit the director-approved renewal application and license fee by expiration. The director may request verification documents and fingerprints under A.R.S. 20-289(C)-(D).
Continuing Education
The Arizona PSI bulletin, page 16, states that continuing education is not required to renew an insurance adjuster license.
Extension
Extend renewal deadlines by the days of active service and supply armed-forces documentation; periodic or routine reservist service is excluded.
Inactive Service
Existing limited license was placed on inactive status during qualifying active military service.
Scope
Portable electronics insurance claims only.
Term
Individual licenses expire quadrennially at the end of the birth month; business-entity licenses expire four years after issuance or the renewal due date, under A.R.S. 20-289(B).

Official no-examination sources

Effective from 2026-09-22.

Individual limited license timely renewal
No examination is required for this applicant pathway.
Applicant
individual holding a portable-electronics-only adjuster license.
Application
Submit the director-approved renewal application and license fee by expiration. The director may request verification documents and fingerprints under A.R.S. 20-289(C)-(D).
Continuing Education
The Arizona PSI bulletin, page 16, states that continuing education is not required to renew an insurance adjuster license.
Scope
Portable electronics insurance claims only.
Term
Individual licenses expire quadrennially at the end of the birth month; business-entity licenses expire four years after issuance or the renewal due date, under A.R.S. 20-289(B).

Official no-examination sources

Effective from 2026-09-22.

Limited individual relicensure more than one year after expiration
No examination is required for this applicant pathway.
Application
Submit the director-prescribed initial application and license fee. DIFI accepts NIPR or the NAIC uniform application.
Fingerprints
DIFI may require fingerprints under A.R.S. 20-321.01(E); its portable-electronics qualifications state that an applicant residing in a state that does not issue this license must submit fingerprints.
Prior Status
Application more than one year after expiration is a new application under 20-289(E).
Residency
Still resides in a state that does not issue adjuster licenses and is permitted to adjust portable electronics claims there.
Scope
Portable electronics insurance claims only.

Official no-examination sources

Effective from 2026-09-22.

  • A.R.S. 20-321-02

    20-321.02(A), incorporated licensing laws (complete short statute confirmed)

  • A.R.S. 20-321-01

    20-321.01(H), nonlicensing-state applicant authority

  • A.R.S. 20-288

    20-288(B)(7), portable-electronics examination exemption

  • A.R.S. 20-289

    20-289(E), late renewal and new-application boundary

Limited individual relicensure after revocation
No examination is required for this applicant pathway.
Application
Submit the director-prescribed initial application and license fee. DIFI accepts NIPR or the NAIC uniform application.
Fingerprints
DIFI may require fingerprints under A.R.S. 20-321.01(E); its portable-electronics qualifications state that an applicant residing in a state that does not issue this license must submit fingerprints.
Prior Status
Wait at least one year after revocation and again qualify under 20-296(A).
Residency
Still resides in a state that does not issue adjuster licenses and is permitted to adjust portable electronics claims there.
Scope
Portable electronics insurance claims only.

Official no-examination sources

Effective from 2026-09-22.

  • A.R.S. 20-321-02

    20-321.02(A), incorporated licensing laws (complete short statute confirmed)

  • A.R.S. 20-321-01

    20-321.01(H), nonlicensing-state applicant authority

  • A.R.S. 20-288

    20-288(B)(7), portable-electronics examination exemption

  • A.R.S. 20-296

    20-296(A), relicensure after revocation (complete short statute confirmed)

Limited individual relicensure after voluntary surrender
No examination is required for this applicant pathway.
Application
Submit the director-prescribed initial application and license fee. DIFI accepts NIPR or the NAIC uniform application.
Fingerprints
DIFI may require fingerprints under A.R.S. 20-321.01(E); its portable-electronics qualifications state that an applicant residing in a state that does not issue this license must submit fingerprints.
Prior Status
Comply with new-applicant qualifications after surrender under 20-289(F); DIFI states that reapplication for surrendered authority requires waiting at least one year.
Residency
Still resides in a state that does not issue adjuster licenses and is permitted to adjust portable electronics claims there.
Scope
Portable electronics insurance claims only.

Official no-examination sources

Effective from 2026-09-22.

Limited individual licensure from a state that does not license adjusters
No examination is required for this applicant pathway.
Application
Submit the director-prescribed initial application and license fee. DIFI accepts NIPR or the NAIC uniform application.
Exam Exemption
A.R.S. 20-288(B)(7) expressly excludes this limited applicant class from examination.
Fingerprints
DIFI may require fingerprints under A.R.S. 20-321.01(E); its portable-electronics qualifications state that an applicant residing in a state that does not issue this license must submit fingerprints.
Residency
Resides in a state that does not license adjusters and is otherwise allowed to adjust portable electronics insurance claims there under A.R.S. 20-321.01(H).
Scope
Authority extends only to adjusting portable electronics insurance claims in Arizona.

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