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For Questions, Changes or Clarifications regarding the Adjuster Licensing information, please send an email to licensing@theclm.org

Last Reviewed / Modified On 08 Sep 2016.

NEW YORK ADJUSTER LICENSING INFORMATION

License Types

Independent Adjuster

Independent Adjusters are licensed in New York.

Public Adjuster

Public Adjusters are licensed in New York.

Temporary Permit - Catastrophes

The superintendent, in order to facilitate the settlement of claims under insurance contracts involving widespread property losses arising out of a conflagration or catastrophe common to all such losses, may issue a temporary permit for a term not exceeding one hundred twenty days to any person, whether he be a resident of this state or a non-resident, to act as an independent adjuster on behalf of an authorized insurer or insurers, provided any such insurer shall execute and file in the office of the superintendent a written application for the permit in the form prescribed by the superintendent, which application shall contain such information as he may require and shall certify that the person named therein to be designated in the temporary permit is qualified by experience and training to adjust claims arising under insurance contracts issued by any insurer. The superintendent may in his discretion renew such permit for an additional term or terms as may be necessary to adjust such claims.

Exclusions

The term Adjuster shall not include:
(A) any officer, director or regular salaried employee of an authorized insurer or entity licensed pursuant to article forty-four of the public health law providing comprehensive health service plans (as used in this paragraph, a "health maintenance organization"), or any manager thereof, individual or corporate, or the manager, agent or general agent of any department thereof, individual or corporate, or attorney in fact of any reciprocal insurer or Lloyds underwriter, or marine underwriting office, unless acting as an auto body repair estimator as defined in subsection (j) of this section;
(B) any officer, director or regular salaried employee of an insurer authorized to write accident and health insurance, a corporation licensed under article forty-three of this chapter (collectively, as used in this paragraph, a "health insurer") or a health maintenance organization, or any manager thereof, individual or corporate, when the claim to be adjusted is issued or administered by another health insurer or health maintenance organization within the same holding company system as the health insurer or health maintenance organization adjusting the claim;
(C) any officer, director or regular salaried employee of an article fifteen holding company or a controlled person within such holding company system providing administrative services within that holding company, or any manager thereof, individual or corporate, when the claim to be adjusted is submitted for payment under a health benefit plan that is issued or administered by a health insurer or health maintenance organization within that same holding company system;
(D) any officer, director or regular salaried employee of an authorized insurer that is licensed to write the kind of insurance to be adjusted, or any manager thereof, individual or corporate, when the claim to be adjusted is pursuant to a policy that is issued or administered by another insurer within the same holding company system as the authorized insurer adjusting the claim, unless acting as an auto body repair estimator as defined in subsection (j) of this section;
(E) any officer, director or regular salaried employee of an authorized life insurance company, or any manager thereof, individual or corporate, or the manager, agent or general agent of any department thereof, individual or corporate, when the claim to be adjusted is submitted under an insurance contract issued by another insurer and the claim: (i) is within the scope of a contract of reinsurance between the two insurers for all of the underlying risks and none of the underlying risks are later reinsured back to the ceding insurer; and (ii) relates to a kind of insurance that the authorized life insurance company adjusting the claim is licensed to write;
(F) any adjustment bureau or association owned and maintained by insurers to adjust or investigate losses, or any regular salaried employee or manager thereof who devotes substantially all of his time to the business of such bureau or association, unless acting as an auto body repair estimator as defined in subsection (j) of this section;
(G) any licensed agent of an authorized insurer who adjusts losses for such insurer solely under policies issued through his or its agency, provided the agent receives no compensation for such services in excess of fifty dollars per loss adjusted;
(H) any licensed attorney at law of this state;
(I) any average adjuster or adjuster of maritime losses; or
(J) any agent or other representative of an insurer authorized to issue life and annuity contracts, provided he receives no compensation for such services.

Licensing Requirements

Requirements

  • To become a licensed New York insurance adjuster, individuals must:
  • Be 18 years of age or older.
  • Never have committed a felony or any crime involving fraudulent or dishonest practices. If applicant has committed such crimes, he or she must obtain a certificate of good conduct from the Board of Parole before applying for this license.
  • Provide a $1,000 bond to cover the licensing period.
  • Take and pass the New York adjuster exam within two years prior to application.

Reciprocity and Non Residents

New York is not reciprocal with any state. To become a licensed adjuster in New York you must take a state exam.

Reciprocity with Texas license

Not Reciprocal with TX license .

Pre Licensing Education

New York State Insurance Law, sections 2103, 2104 and 2108, requires that an individual seeking an Insurance Producer or Public Adjuster license completes a prelicensing course approved by the Superintendent of Insurance. Prelicensing Providers are approved by the Department to teach these courses Public Adjusters - 40 hours You will find information regarding the list of pre-licensing providers/course on our website at: http://myportal.dfs.ny.gov/web/guest-applications/prelicensing-providers

Bond Requirement

Requires Adjuster Bond.
Type of Adjuster: Public Adjusters, Independent Adjuster
Amount: $1,000
Bond Expiration information: December 31 every even years

How to Apply

  • For adjusters the application is paper application.The application forms are in PDF format.The Submission Requirements & Fees are available within the forms and instructions. The form is available Here
  • Complete the New York State Exam administered by Prometric.
  • Wait a week after completing the exam (to allow for your score to be processed) and then submit your application.
    Submit your application and the required fees and forms listed above
  • Certificates of Character can be found within the application.
  • In the case of a catastrophe, the New York Insurance Department will issue a Temporary Adjuster Permit if requested by an authorized insurer.
  • Fingerprinting: applicants with an address in New York State must be electronically fingerprinted by MorphoTrust USA.
    Contact MorphoTrust at (217) 793-2080 or www.Identogo.com.
  • Download and complete the Request for NYS Electronic Fingerprinting Services and submit it to MorphoTrust at the time of being electronically fingerprinted.
  • See the New York State adjuster application for more details on fingerprinting.
  • If you do not have an address in New York State and you cannot go to a MorphoTrust location in New York, submit the following to the Department:
  • Completed fingerprint card;
  • NYS Request for Card-Scan Services (Form NYSIDCSFP); Without this form your application will be rejected.
  • Fingerprint fee of $87.25 ($75 for DCJS plus $9.95 for fingerprinting processing).
  • Make check payable to MorphoTrust USA.

Maintaining Your License

Renewal

License is valid for two years. It will expire on December 31 in each even-numbered year.

The License Renewal Application is a secured application available on the DFS portal.. https://myportal.dfs.ny.gov/nylinxext/ Once you have processed a renewal for a particular license, it is not necessary for that renewal to be processed again. If you do not think the renewal application went through please call (518) 474-6630 before processing it a second time.

Continuing Education

No Continuing Education is required.Click here for more details.

License Termination or Lapse

If you are a resident and your license has been expired more than two years, you must retake the exam and submit a paper application with the passing score report and fee. If you are a non-resident and your license has been expired more than two years, you must be currently qualified in your home state and submit a paper application with fee.

Fees

License Fee$100 for the first year, $50 for the second
Fingerprinting Fee $87.25
Exam Fee $49

Contact

Licensing Bureau, One Commerce Plaza, Albany NY 12257
Phone: (518) 474-6630, Fax: (518) 474-5048,
Email: licensing@ins.state.ny.us

http://www.dfs.ny.gov

Information

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