Public Adjusters in Oklahoma

A public adjuster represents the insurance policyholder in preparing, presenting, and negotiating first-party property insurance claims. Unlike an insurance company adjuster, who works for the insurer, a public adjuster advocates for the policyholder’s interests throughout the claims process.

Yes. In Oklahoma, you must be licensed by the Oklahoma Insurance Department before acting as a public adjuster and handling claims for compensation. The unauthorized practice of adjusting is prohibited.

• Be at least 18 years old.
• Pass the Oklahoma property & casualty adjuster exam administered by PSI/Prometric with a passing score (typically 70 %).
• Apply online via the National Insurance Producer Registry (NIPR) after passing the exam.
• Pay application and license fees to the Oklahoma Insurance Department (resident or non-resident).
• Provide a surety bond as required by state rules. (Often a $5,000 bond is required per some compliance sources.)

• Interpret your insurance policy and coverage.
• Inspect and document property damage.
• Prepare detailed estimates and supporting documentation.
• Negotiate with your insurance company to seek a fair settlement.

• A public adjuster must act in the insured’s best interest.
• Fees should be reasonable and reflect services provided.
• Adjusters should not require payment in advance of a settlement.
• Fees typically should not exceed 10% of the total gross claim settlement.

• The scope of services.
• Compensation arrangements (fee structure, timing).
• Cancellation and termination terms.
• The adjuster’s license information and contact details.

• A public adjuster must act with loyalty and objectivity for the policyholder.
• They must maintain records of all transactions for at least five years.
• They may not solicit during loss-producing events.
• They must disclose any third-party compensation or conflicts of interest in writing.

• You’ve experienced significant or complex property damage (e.g., storms, tornadoes).
• The insurer’s initial offer seems too low.
• You want expert help with documentation, coverage interpretation, and negotiation.

• Applicants must meet Oklahoma’s bonding and application requirements.
• Some reciprocity exists under designated home state provisions if the home state has continuing education and licensing requirements that Oklahoma accepts.