Public Adjusters in Utah

A public adjuster is a licensed professional who represents the insurance policyholder in the preparation, presentation, and settlement of first-party property insurance claims. Unlike an insurance company adjuster, a public adjuster works only for you, helping document damage, prepare claim paperwork, and negotiate with your insurer.

Yes. Utah law requires a license to act as a public adjuster under the provisions of Title 31A of the Utah Code, which means you cannot adjust, solicit, or negotiate insurance claims on behalf of policyholders for compensation without a valid adjuster license.

• Be at least 18 years old and of good character.
• Pass the Utah insurance adjuster exam administered through Prometric before submitting an application.
• Submit an application through Sircon or NIPR, including the required application and fingerprint fees (e.g., ~$32 fingerprint fee).
• Be fingerprinted for a background check as part of the application process.

Yes. Utah allows non-resident adjuster licenses, and often grants reciprocity to applicants who hold a valid adjuster license in their home state. Applications for non-resident licenses are typically completed online via Sircon or NIPR.

• Review and interpret your policy to determine what is covered.
• Document and estimate property damage accurately.
• Prepare detailed claim submissions.
• Communicate and negotiate with your insurance company for a fair settlement.

Utah law does not impose a specific statewide fee cap for public adjusters. Compensation terms are usually determined by contract between you and your adjuster and should be clearly disclosed in writing before services begin.

• The scope of services.
• How and when the adjuster will be compensated.
• Any cancellation or termination rights.
• The adjuster’s license number and contact details.

Licensed adjusters in Utah generally must complete continuing education (CE) to maintain their license, with many sources indicating a requirement of 24 hours every two years, including ethics coursework.

You can verify an adjuster’s license using the Utah Insurance Department’s Licensee Search tool or via national regulatory lookup services such as Sircon or NIPR to confirm active status and compliance.

• Public Adjuster: Works for you, the policyholder, documenting and negotiating the claim on your behalf.
• Insurance Company Adjuster: Works for the insurer and evaluates claims from the company’s perspective.