How to Get an Indiana Adjuster License

Author: Ethan Peyton
Updated:

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

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. Indiana courses start at $199.

Indiana Adjuster License Requirements

Before you begin the steps to getting your Indiana 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 Indiana (non-residents will need to apply for a different license)

Indiana offers only one type of adjuster license, independent adjuster. However, with this license you can work in any of the following lines: 

  • Workers’ Compensation 
  • Property and Casualty (P&C) 

Indiana Adjuster License Course

Before you apply for the license or take the exam, you’ll need to take an Indiana Adjuster License course.

This course will 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 $199.

How to Get an Indiana Adjuster License

To get an Indiana Adjuster license, you’ll complete your adjuster course, pass the exam, then file your application and fees.

A common question we receive is: How much is the Indiana adjuster license? Prices will vary depending on the type of license, but the most common license will cost as little as $300.

Another common question is: How long does it take to get the Indiana 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: Indiana Adjuster License Course

The first step to getting your adjuster license is taking your test-prep course.

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 $199.

Be sure that you’re comfortable with the material in the coursework before moving on to your state exam. AdjusterPro recommends that you consistently score 90% or better on the course quizzes before taking the real test.

Step 2: Indiana Adjuster Exam

Once you’ve completed your adjuster pre-license education course, the next step is to pass the Indiana Adjuster Exam.

To register to take the exam, use the Pearson VUE Indiana website. Be sure to have your Certificate of Completion when registering.

The price for each attempt of the exam is $69

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

Adjuster License TypeCostQuestionsTime AllottedExam Outline
Independent Adjuster$691001 hour and 45 minutesExam Outline

Is the Indiana 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: Indiana Adjuster Application – IDOI

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

The fee to submit an application is $40 plus an electronic processing fee. 

Apply for your license online through the Sircon website or by mail using the NAIC paper application.

Submit a paper application, along with a paper check for $40 to the following address: 

Indiana Department of Insurance
311 West Washington Street
Indianapolis, IN 46204-2787

If everything goes smoothly, you’ll receive a message from the licensing department within two to three business days containing your license number and any other pertinent information. You can check the status of your license online using the Sircon license application status inquiry tool.

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

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 Indiana, this includes:

  • Michigan
  • Kentucky
  • Ohio (no license required)
  • Illinois (no license required)

Michigan and Kentucky offer what’s called reciprocation with Indiana. 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 Indiana Adjuster License expires every two years. The expiration date of your license is set as the last day of your birth month.

The renewal fee for an Indiana adjuster license is $40

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.

Find details on our Indiana Adjuster License Renewal guide.

References and Links

Indiana Department of Insurance

311 West Washington Street
Indianapolis, IN 46204-2787
(317) 232 – 2389
agentlicensing@doi.in.gov