Public Adjusters in Mississippi

A public adjuster is a licensed professional who implements insurance policy expertise and claims knowledge to help you — the policyholder — prepare, present, and negotiate your insurance claim with the insurer. These professionals work for you, not the insurance company.
Organizations like NAPIA promote professional standards, ethics, and advanced certifications for public adjusters nationwide.

Yes. To act as a public adjuster in Mississippi, you must be licensed through the Mississippi Insurance Department (MID). This includes individual adjusters and business entity public adjusters.

1. Pre-licensing Education: Complete a state-approved pre-licensing education course (usually 20 hours for residents).
2. Pass the Mississippi Adjuster Exam: Take and pass the Mississippi state adjuster exam (administered by Pearson VUE).
3. Submit an Application: File your application (either online via Sircon/NIPR or by mail) with required fees.
4. Bond or E&O Insurance: You must submit proof of a $50,000 surety bond or an Errors & Omissions (E&O) policy.

Public adjuster licenses in Mississippi typically expire annually on May 31, regardless of the issue date. Licenses can be renewed online (e.g., via Sircon or NIPR) before expiration.

Mississippi law (and pending updates under House Bill 1174) requires a written contract before services are provided, and allows the insured to revoke the contract within five (5) days of execution. Contracts must include specific details such as the adjuster’s license number, contact info, and description of services.

• Insurer’s adjuster: works for the insurance company to evaluate the claim.
• Public adjuster: works for you — the policyholder — to document losses, prepare the claim submission, and negotiate for fair compensation.

Yes. Mississippi allows non-resident adjuster licensing via reciprocity if you hold a license in your home state that requires an exam. If not, you may need to take the Mississippi exam to qualify.

• You experience major property damage (e.g., hurricane, tornado damage, flooding, fire).
• The insurer’s initial settlement offer seems too low.
• You want professional help documenting damage, tracking deadlines, and negotiating a comprehensive settlement.