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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 15 Sep 2017.

DELAWARE ADJUSTER LICENSING INFORMATION

License Types

Insurance Adjuster

Insurance Adjusters are licensed in Delaware. An adjuster's license shall convey authority to investigate and negotiate settlement of claims on behalf of licensed agents, brokers, self-insurers, or insurers in 1 or more of the following lines of insurance:
(1) Property insurance. (2) Casualty insurance. (3) Fidelity and surety insurance. (4) Automobile insurance. (5) Marine and transportation insurance. (6) Adjuster Multi-Peril Crop Other (7) Adjuster Workers' Compensation

Crop Adjuster

A person shall apply for and receive from the Commissioner a multi-peril crop insurance adjuster and/or producer license to operate as a multi-peril crop insurance producer or adjuster in this State. All applications for licensure shall be in accordance with the requirements of 18 Del.C., §§1706 and 1707 (1).

Public Adjuster

"Public adjuster" shall include any person who, for compensation or any other thing of value:
a. Acts or aids, solely in relation to first party claims arising under insurance contracts that insure the real or personal property of the insured, on behalf of an insured individual in negotiating for, or effecting the settlement of, a claim for loss or damage covered by an insurance contract;
b. Advertises for employment as an adjuster of insurance claims or solicits business or represents oneself to the public as an adjuster of first party insurance claims for losses or damages arising out of policies of insurance that insure real or personal property; or
c. Directly or indirectly solicits business, investigates or adjusts losses or advises an insured about first-party claims for losses or damages arising out of policies of insurance that insure real or personal property for another person engaged in the business of adjusting losses or damages covered by an insurance policy.
18 Del.C., §§1706 and 1707 (1).
No person shall, directly or indirectly, act as a public adjuster without first procuring a license from the Commissioner to act as a public insurance adjuster.

Apprentice Adjuster

The applicant should be a full time employee of a licensed adjuster

Catastrophe Claims

"No adjuster's license shall be required for any adjuster sent into this State on behalf of an insurer for the investigation or adjustment of a particularly unusual or extraordinary loss, or series of losses, resulting from a catastrophe common to all such losses; provided that such adjuster shall furnish to the Commissioner written notice within 10 calendar days of any such catastrophic insurance adjustment work."

Exclusions

No adjuster's license shall be required for any of the following:
(1) An adjuster sent into this State on behalf of an insurer for the investigation of a particularly unusual or extraordinary loss, or series of losses, resulting from a catastrophe common to all such losses; provided that such adjuster shall furnish to the Commissioner written notice within 10 calendar days of any such catastrophic insurance adjustment work.
(2) An individual who, in regards to portable electronics insurance claims, collects claim information from, or furnishes claim information to, insureds or claimants, and who conducts data entry including entering data into an automated claims adjudication system, provided that the individual is an employee of a licensed independent adjuster or its affiliate where no more than 25 such persons are under the supervision of 1 licensed independent adjuster or licensed producer. A producer who is acting as a supervisor and adjusting claims pursuant to this paragraph is not required to be licensed as an adjuster. For purposes of this section, "automated claims adjudication system" means a preprogrammed computer system designed for the collection, data entry, calculation and final resolution of portable electronics insurance claims which:
a. Is only utilized by a licensed independent adjuster, licensed producer, or supervised individuals operating pursuant to this paragraph;
b. Complies with all claims payment requirements of the insurance code; and
c. Is certified as compliant with this section by a licensed independent adjuster that is an officer of a licensed business entity under this chapter.

Licensing Requirements

Requirements

Resident :

  • Be at least 18 years of age.
  • Major lines of authority applicants must successfully pass the Delaware producer licensing exams. If you successfully pass the state licensing exam, your test results are automatically electronically submitted to the online system. Resident Crop Adjusters are required to submit a copy of their CAPP Card in lieu of an exam Examination(s) from Pearson Vue.
  • A state criminal history report and a federal criminal history report from the Federal Bureau of Investigation (FBI), dated within 90 days of receipt, are required.
  • Once the application has been submitted through NIPR, please fax the state and FBI criminal history reports.Examination results are received electronically from Pearson Vue and do not need to be faxed to the Department.

Non Resident

  • Nonresident licensees licensed in their home state where an exam has been taken may apply online at www.nipr.com
  • Non-Resident Crop Adjusters are required to submit a copy of their CAPP Card in lieu of an exam.
  • A Non-Resident Adjuster who does not hold a resident license because their home state does not license Adjusters, may apply online at www.nipr.com by designating their non-resident Adjuster state as their domicile state.
  • Nonresident applicants who are not licensed in any state are required to take the Delaware exam and obtain a state criminal history report and a federal criminal history report from the Federal Bureau of Investigation (FBI)dated within 90 days of receipt.
  • The Form 2A, state and federal criminal background reports must be submitted to the Department.

Reciprocity and Non Residents

Delaware grants reciprocity to adjusters holding a license from their home state. However, if your home state does not require a license, you must successfully pass the Delaware state adjuster exam. Adjusters working catastrophic claims are not required to be licensed in Delaware.

Reciprocity with Texas license

Reciprocal with Texas License? Yes.

Delaware does not require you to hold a license in your state of residence in order to enjoy the benefits of reciprocity through Texas.

Pre Licensing Education

While there is an exam requirement for Delaware residents, non-residents may apply for this license without taking an exam, as long as they hold a license in any other state.

Bond Requirement

Requires Adjuster Bond.
Type of Adjuster: bail producers resident and public adjusters
Amount: $20,000
Bond Expiration information: Feb 28 every odd year
Link to Forms: http://www.delawareinsurance.gov/departments/licensing/Lic_Proc_Aug_2013.pdf

How to Apply

Resident and Non Resident adjusters apply online via NIPR. Accepts Adjuster Designated Home State (ADHS) electronically.

Maintaining Your License

Renewal

  • This license is good for two years and is renewable with a fee of $50 for residents, $75 for non-residents.
  • The license expires on March 1st of odd year; Extended late renewal begins September 1st of odd year
  • Late renewal is possible until August 31st of odd year; Extended late renewal ends February 28th of even year (February 29th in leap year)
  • Delaware will allow late renewal of an expired license using this NIPR Application (NRAR) if license status is not active with a status reason of "non-renewed/not continuing education compliant" and expiration date is greater than thirty (30) days and up to one (1) year.

Continuing Education

12 hours of Continuing education is required every 2 years for Delaware resident licensees only. 3 of those hours being in Ethics.
Resident Adjusters who are licensed solely for Surety or Marine & Transportation are exempt from the CE requirement.
The Non-Resident CE requirement is changed for the 2019 renewals to add 12 hours of CE with 3 hours in Ethics. This is also applicable to Non-Resident Designated Home state renewals and Public Adjusters.

License Termination or Lapse

Should you choose not to renew you must notify the Department in writing. Please submit a signed request in writing and either fax or email (licensing@state.de.us) to the Department.
Licensees who fail to renew, without informing the Department of cancellation will be subject to Administrative Action

Fees       

Application & License Fee$75
Renewal Fee $100
State and Federal Criminal Background Check fee$69

Contact

Delaware Insurance Department, 841 Silver Lake Blvd, Dover, Delaware 19904
or for Continuing Education 302-674-7396
Phone: (302) 674-7390, Fax: (302) 736-7906, Email:licensing@state.de.us
http://www.delawareinsurance.gov/

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