How to Get a Hawaii Adjuster License

Author: Ethan Peyton
Updated:

To get your Hawaii Adjuster license, you’ll need to follow a few steps. These steps include taking a Hawaii adjuster course, passing the state adjuster exam, filing your application and paying licensing fees, and submitting your fingerprints.

We’ve put together this step-by-step guide to ensure your licensing journey is as simple and inexpensive as possible. This guide also covers adjuster requirements and prerequisites along with steps to take after getting your license. 

Be sure to bookmark this page so you can reference the steps as you need them.

Quick Tip

We recommend AdjusterPro adjuster courses to prepare for your exam. Hawaii courses start at $179.

Hawaii Adjuster License Requirements

Before you begin the steps to getting your Hawaii adjuster license there’s a few requirements you’ll need to ensure you qualify.

  • You must be 18 years of age or older
  • You must be a resident of Hawaii (non-residents will need to apply for a different license)
  • You must be able to pass a background check (more info in step 4)

Along with these requirements, you’ll also need to choose which lines of insurance you’d like to work within.

  • Independent/Property and Casualty Adjuster (P&C)
  • Workers’ Compensation Adjuster (WC)
  • Crop Adjuster

Hawaii Adjuster License Course

Before you apply for the license or take the exam, you should consider taking a Hawaii Adjuster License course.

This course will do a few things:

  1. Fill your required pre-license education hours
  2. Prepare you to pass the exam

Some courses offer not only test prep and pre-license credits, but instruction on the day-to-day operations and duties of an adjuster. If you don’t have any experience handling claims, it would be wise to consider these higher-level courses.

Recommended

We recommend AdjusterPro as our adjuster course of choice. Courses start at $179.

How to Get a Hawaii Adjuster License

To get an Hawaii Adjuster license, you’ll pass the exam, file your application and fees, then submit your fingerprints.

A common question we receive is: How much is the Hawaii adjuster license? Prices will vary depending on the type of license, but the most common license will cost as little as $485.

Another common question is: How long does it take to get the Hawaii adjuster license? If you take the proper time to study and pass the exam on your first attempt, the process should take around 3-4 weeks.

Step 1: Hawaii Adjuster License Course

The Hawaii Department of Commerce and Consumer Affairs (DCCA) does not require adjuster applicants to complete pre-license education credit hours before applying or sitting for the exam.

However, pre-license education through a credible provider can prepare you to pass your exam as well as make you exempt from taking the exam itself. 

As mentioned above, we recommend AdjusterPro’s courses.

The prices of these courses range depending on the provider and level of coursework, but generally start around $179.

Step 2: Hawaii Adjuster Exam

Once you’ve completed your adjuster pre-license education course, the next step is to pass the Hawaii Adjuster Exam. Unless you are opting to become a crop adjuster, then you are exempt from an exam and will need to obtain a Crop Adjuster Proficiency Program (“CAPP”) card. 

To register to take the exam, use the Pearson VUE Hawaii website.

The price for each attempt of the exam is $75

You must score at least 70% on the exam to pass. 

Depending on the type of license you’re working toward, the number of questions and time allotted for the exam differ. See the table below for details.

Adjuster License TypeCostQuestionsTime AllottedExam Outline
Independent/Property & Casualty (P&C)$751402 hours and 45 minutesExam Outline
Workers’ Compensation (WC)$752545 mintuesExam Outline

Is the Hawaii Adjuster Exam Hard?

A common question we receive is: Is the adjuster exam hard?

Difficulty is a subjective matter, but we answer this question with: Yes. The exam is intentionally tough.

Don’t let this discourage you. Keep in mind that most folks who take this exam haven’t taken any formal tests since high school or college. The state intentionally makes these tests difficult in the hopes of protecting the average citizen from working with adjusters who don’t understand the laws and guidelines surrounding insurance.

The key to passing the exam is to take your exam-prep course seriously and allow yourself time for in-depth study. 

Check out our Adjuster Exam Study Guide for tips and strategies to pass your exam on the first attempt.

Step 3: Hawaii Adjuster Application – DCCA

Once you’ve passed your exam, the next step is to apply for your license.

The fee to submit an application is $165. 

Apply for your license using the NIPR Hawaii Insurance Application page.

Be sure to submit your application within 60 days of your fingerprinting. 

Step 4: Submit Fingerprints

Once you’ve submitted your license application, the last step in the process is to submit your fingerprints for a background check.Schedule an appointment online with Fieldprint to have your fingerprints taken. There are several locations across Hawaii that you can complete your scan.

The fingerprint fee is $58.95.

Note

Submitting your fingerprints will initiate a background check. If you have any past offenses on your record and are curious of your eligibility for an insurance license, reach out to Fieldprint directly for clarification.

Application and Background Check Processing

Once you’ve completed all of the steps above you’ll just need to wait for the background check to come back and the licensing department to process all the paperwork. The DCCA will contact you if they need any supporting documentation or have any questions. Be sure to respond promptly to any requests.

If everything goes smoothly, you’ll receive a message from the licensing department within ten days or so containing your license number and any other pertinent information. You can check the status of your license online using the NIPR website where you applied.

Congratulations! You are now a licensed insurance adjuster in Hawaii!

After Getting Your License

Now that you’re licensed, you can get to work! Most folks take one of two paths at this point. They choose to become an independent adjuster or a staff adjuster.

The main difference is that staff adjusters are employed by one firm, usually an insurance company, whereas independent adjusters operate as contractors, normally being “rostered” to multiple Independent Adjusting (IA) firms.

If you’re interested in becoming a staff adjuster, check out the current job openings on StateRequirement Jobs

If the independent adjuster role is more alluring (we think it is), check out AdjusterPro’s IA Directory

Adjuster Certifications

To be considered a great candidate for IA firms or insurance companies, you’ll need to prove that you know how to actually work an insurance claim. Certifications show that you know your stuff and will give you a strong advantage over other candidates. 

While there are several adjuster certifications available, focus on Xactimate and Insurance Company certs first.

Xactimate Certifications

Xactimate is the industry standard software used by adjusters and insurance companies. There are three levels of certification offered by Xactimate

You should strongly consider levels one and two now, and look into level three after you’ve spent some time in the field.

Insurance Company Adjuster Certifications

Large insurance companies like State Farm, Allstate, Liberty Mutual, and others require that adjusters (staff or independent) get their specific certifications. 

To get these certs, you’ll need to be on the roster of an IA firm that works with that company. They offer courses to their adjusters throughout the year. Staff adjusters that work for the insurance company will be provided training and certification through their employer.

It’s widely accepted that State Farm’s adjuster certification is the most valuable insurance company cert. They are the largest insurer in the US, and therefore have more claims than other insurers.

Out-of-State and Reciprocal Licensing

Most claims, especially catastrophe (CAT) claims come from weather events. And since you can’t control the weather, you should get licenses in states outside your home state. These are called Non-Resident Adjuster Licenses.

IA firms are much more likely to both roster you and select you for work if you are licensed in states where they operate. If you’re already on a roster or two, talk with your contact there to see if they recommend a state to get licensed in.

The best states to start with are generally those that neighbor your home state. For Hawaii, this includes:

  • Oregon
  • Washington
  • California
  • Arizona

Out of these states, Arizona is the only one to offer what’s called reciprocation with Hawaii. This means that you don’t need to take a pre-licensing course or pass an exam in order to get their license. All you need to do is apply, pay the fee, and you’ll be licensed quickly.

License Renewal and Continuing Education

The Hawaii Adjuster License expires every two years. To keep your license active, you must pay the renewal fee of $90.

Unlike many other states, Hawaii does not require you to complete 24 hours of continuing education (CE) coursework before renewing your license. 

Any additional non-resident licenses you hold will also expire. Most state licenses expire every two years and require a renewal fee. Note that unless the state specifically requires it, you will not be required to take CE courses for each state – just your home state.

For instructions, see our Hawaii Adjuster License Renewal guide.

References and Links

Hawaii Department of Commerce and Consumer Affairs

King Kalakaua Building
335 Merchant Street, Rm. 213
Honolulu, Hawaii 96813
(808) 586-2788
inslic@dcca.hawaii.gov