Public Adjusters in West Virginia

A public adjuster is a licensed insurance professional who represents the policyholder’s interests in preparing, presenting, and negotiating property insurance claims. They help evaluate damage, prepare documentation, and negotiate with insurers to pursue a fair settlement.

Yes. West Virginia requires anyone acting as an adjuster — including someone representing a policyholder in first-party claims — to hold an adjuster license issued by the West Virginia Offices of the Insurance Commissioner under the state’s insurance code §33-12B.

• Be at least 18 years old.
• Pass the West Virginia adjuster licensing exam, which covers duties, responsibilities, state insurance laws, and property and casualty basics.
• Submit the adjuster application to the West Virginia Offices of the Insurance Commissioner with the required fee (typically around $25).
• Provide fingerprints if required (residents and those designating West Virginia as their home state are fingerprinted as part of the background check).

Yes. Non-resident adjusters who already hold a valid adjuster license in their home state can apply for a non-resident adjuster license in West Virginia if their home state’s licensing standards are similar. West Virginia allows reciprocity under its adjuster licensing rules.

• Reviewing and interpreting insurance policies to understand coverage.
• Inspecting and documenting all damage thoroughly.
• Preparing detailed claim submissions.
• Negotiating with insurers to pursue a full and fair settlement.

Yes. West Virginia adjusters must complete a minimum of 24 hours of continuing education (CE) every biennium, including at least three hours in ethics. This is part of the state’s requirement to maintain an active adjuster license.

Adjuster licenses in West Virginia typically expire annually on May 31 and must be renewed to remain active. Renewal applications and instructions are provided by the WV OIC before expiration.

• The scope of services the adjuster will provide.
• How fees or compensation will be calculated.
• Procedures for cancellation or termination.
• License and contact information for the adjuster.

• Public Adjuster: Works for the policyholder and advocates on their behalf.
• Insurance Company Adjuster: Works for the insurer to evaluate claims from the company’s perspective.