Public Adjusters in Pennsylvania

Yes. In Pennsylvania, you must be licensed by the Pennsylvania Insurance Department to act as a public adjuster or public adjuster solicitor on behalf of a policyholder. Acting without a license violates state law.

A public adjuster reviews your insurance policy, inspects and documents property damage, prepares your claim with supporting evidence, and negotiates with your insurer to pursue a full and fair settlement. Associations like NAPIA describe public adjusters as advocates who work exclusively for the insured, not the insurance company — an important distinction in claims handling.

1. Schedule & pass the Pennsylvania public adjuster exam with a score of at least 70%.
2. Pass the licensing exam exam (PSI) and then apply for your license through Sircon or NIPR.
3. Submit a $20,000 surety bond with your application (required of both resident and non-resident licensees).
4. Submit fingerprints for a background check through IdentoGO after applying.
5. Once approved, you can print your license from the Pennsylvania Insurance Department’s website — licenses are no longer mailed.

Yes. Applicants must successfully complete a written examination before a resident or non-resident public adjuster license is issued, unless exempt based on reciprocal licensure. This is outlined in Pennsylvania’s Public Adjuster Contracts regulations and licensing code.

• Verbal notice of right to cancel at signing.
• Written explanation of the right to cancel within a certain period.
• Communication and insurer notification protocols.
• Rules governing how and when fees are paid.

Yes. Licensed public adjusters in Pennsylvania must meet continuing education (CE) requirements related to license renewal. Many state licensing authorities, exam prep guides, and bond guides note that 24 hours of CE (including ethics) every two years is typical for Pennsylvania adjusters.

Yes. Non-resident public adjuster licenses are available in Pennsylvania. Non-resident applicants must typically submit proof of an active out-of-state public adjuster license and a $20,000 surety bond before transacting business in Pennsylvania.

• Your property has significant or complex damage.
• Your insurer’s initial settlement seems too low or incomplete.
• You want professional help documenting damage, interpreting coverage, and negotiating your claim.