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State guide

How to become a public adjuster in Indiana

Indiana requires a public adjuster license. There is no statutory fee cap; the surety bond is $10,000; the governing law is IC 27-1-27.

The pathway

Getting licensed in Indiana

The license is the Public Adjuster certificate of authority (IC 27-1-27). It is its own license, so make sure any course or exam you book is the public adjuster one and not the company or independent adjuster version. Indiana Department of Insurance (IDOI). Independent adjusters are licensed separately under IC 27-1-28 (40-hour prelicensing, 24 CE hours); staff adjusters are not licensed. Public adjuster requirements differ and are listed here.

Official sources

Gathered from these sources on August 28, 2026. Fees and hours change with the legislative calendar, and this page may be out of date. The regulator’s own page is the only current authority.

  1. Email agentlicensing@idoi.in.gov to request a Public Adjuster Certificate of Test Eligibility.

  2. Schedule and pass the Indiana Public Adjuster exam at Pearson VUE ($50; 60 questions, 1 hour, 70% to pass). No pre-licensing course is needed.

  3. Buy a $10,000 surety bond payable to the State of Indiana (dated within six months of applying).

  4. Apply through Sircon.com (or the NAIC paper application) and pay the $50 license fee plus the processing fee, attaching the bond.

  5. Renew every year before December 31 for $50 with a bond continuation certificate; no continuing education is required.

Who can apply
At least 18 years old · State residency required · None required. IDOI may waive the exam for an applicant who has worked as a public adjuster in Indiana as a principal occupation for at least one year before applying (IC 27-1-27-6(b)). A resident certificate is issued only to a bona fide Indiana resident (IC 27-1-27-3(b)). Nonresidents may obtain a nonresident certificate if they hold an equivalent license in another state and file a service-of-process designation (IC 27-1-27-3(c), -5).
Prelicensing course
Not required IDOI states 'no pre-licensing education required' for public adjusters (40 hours applies only to independent adjusters).
State exam
Pearson VUE · 60 questions · 60 minutes · pass at 70% · $50 per attempt Before scheduling, email agentlicensing@idoi.in.gov to request a Public Adjuster Certificate of Test Eligibility (include your name as on your driver's license).
Application
Sircon · $50 application fee Electronic processing fee (amount not stated by IDOI); Pearson VUE exam $50. Public adjusters apply through Sircon.com or the NAIC uniform paper application (NIPR is for independent adjusters only). Attach proof of a $10,000 Indiana surety bond not more than six months old. Fees are non-refundable.
Background check
No fingerprinting listed. Applicants must be trustworthy, reliable, and of good reputation; felony-dishonesty convictions require 18 U.S.C. 1033 written consent.
Surety bond
$10,000 Payable to the State of Indiana, conditioned on faithful performance; must be renewed annually (IC 27-1-27-4(e)).
Renewal
Annually · $50 Every certificate expires December 31 of the year issued (IC 27-1-27-4(d)). Applications received on or after October 1 are issued expiring December 31 of the following year. Renewals open 90 days before expiration. Renew through Sircon.com with a surety bond continuation certificate. An expired certificate cannot simply be renewed; the applicant must meet all initial licensing requirements again.
Continuing education
None required IDOI's adjuster renewal page lists CE (24 hours) for independent adjusters only; public adjuster renewal requires the fee and bond continuation.
Already licensed elsewhere?
Reciprocity available Nonresident certificate available to holders of an equivalent license in another state; must maintain home-state license in good standing (IC 27-1-27-7.2) and designate an Indiana agent for service of process.

Not stated in these sources

These points were not stated in the sources listed, so we have left them blank rather than guess. Ask the regulator directly:

  • ·Application other fees: IDOI says 'there is also an electronic processing fee' without stating the amount.

Indiana in the reference tables

Each table answers one question for all 50 states and DC, with the citation. Open one and find the Indiana row.

See how a claim runs in Indiana, stage by stage Associations covering Indiana

Indiana law in the library

30 primary-source documents for Indiana: statutes, regulations, bulletins and consumer guides, stored as published. Sign in to open them.

  • Indiana Administrative Code Title 760 — Complete Rule Index and Finding of No Claims-Handling Rule Indiana Department of Insurance
  • Indiana Code 27-1-31 — Cancellation and Nonrenewal of Commercial Property and Casualty Insurance (Verbatim) Indiana General Assembly
  • Indiana Code 27-2-16 — Insurance Claim Form Notice (Verbatim) Indiana General Assembly
  • Indiana Code 27-2-24 — Coverage With Innocent Coinsured (Verbatim) Indiana General Assembly
  • Indiana Code 27-2-28 — Notice of Material Change (Verbatim) Indiana General Assembly
  • Indiana Code 27-7-12 — Termination of Residential Policies (Verbatim) Indiana General Assembly
  • Indiana Code 27-7-13 — Required Notice of Flood Coverage in a Residential Policy (Verbatim) Indiana General Assembly
  • Indiana Code IC 10-14-3 — Emergency Management and Disaster Law (Full Chapter, Verbatim) Indiana General Assembly