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State guide

How to become a public adjuster in New Hampshire

New Hampshire requires a public adjuster license. There is no statutory fee cap; the surety bond is $20,000; the governing law is RSA ch. 402-D.

The pathway

Getting licensed in New Hampshire

The license is the Public Adjuster. 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. New Hampshire Insurance Department under RSA 402-D; claims adjusters representing insurers are licensed separately under RSA 402-B. A public adjuster may not also act as an insurer's adjuster (RSA 402-D:3, II).

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 Fees and hours change with the legislative calendar, and this page may be out of date.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. Confirm you meet the entry bar: at least 18, five years of insurance experience including some claims adjusting, and an office in New Hampshire open to the public.

  2. Schedule and pass the NH Public Adjuster exam with PSI ($59); no prelicensing course is required.

  3. Obtain a $20,000 surety bond in favor of the state (or an irrevocable letter of credit).

  4. Apply through NIPR with the NAIC Uniform Individual Application, provide proof of the bond, and pay the $100 license fee.

  5. Complete 15 hours of approved public adjuster CE (3 in ethics) and have it certified at least 60 days before your license expires.

  6. Renew every two years by October 1 and pay the $100 renewal fee.

Who can apply
At least 18 years old · Residents and non-residents · Resident applicants need a minimum of 5 years' experience in the insurance business, some involving claims adjusting, or other experience the commissioner considers sufficient (RSA 402-D:5, I(i)). Resident applicants must maintain an office in New Hampshire with public access during regular business hours (RSA 402-D:5, I(f)). Nonresidents licensed in a reciprocal home state get a nonresident license.
Prelicensing course
Not required PSI bulletin: 'nor are you required to take a pre-licensing study course.'
State exam
PSI · $59 per attempt PSI became the Department's exam vendor; bulletin dated 8/4/2026 (effective 7/6/2026). A revised Public Adjuster exam takes effect 9/15/2026. Exam fee valid for one year from payment. Exam waived for applicants licensed by exam in another state (RSA 402-D:7).
Application
NIPR · $100 application fee Exam $59 (PSI); $20,000 bond or letter of credit. RSA 400-A:29: public adjuster original application and license fee $100 (resident and nonresident). All applications are submitted electronically through NIPR.
Background check
Commissioner may request state and FBI criminal history record information in connection with the application (RSA 402-D:4, IV); no fingerprint procedure is published.
Surety bond
$20,000 Surety bond in favor of the state or irrevocable letter of credit of at least $20,000, in force before issuance and maintained for the life of the license; authority terminates automatically if it lapses (RSA 402-D:11).
Renewal
Every 2 years · $100 License expires October 1 of the second calendar year after issue (RSA 402-D:9, IX, as amended eff. Sept. 13, 2025). Late renewal within 12 months: penalty of double the unpaid renewal fee (RSA 402-D:9, V; RSA 400-A:29 late penalty $100).
Continuing education
15 hours · Every 2 years · 3 in ethics Courses must be specifically designed for public adjusting duties and approved by the commissioner; certification due at least 60 days before renewal (RSA 402-D:12). Nonresidents compliant in a reciprocal home state are exempt.
Already licensed elsewhere?
Reciprocity available Nonresident license issued to a resident public adjuster in good standing whose home state licenses NH residents on the same basis (RSA 402-D:8); exam waived for applicants licensed by exam elsewhere (RSA 402-D:7).

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:

  • ·Exam questions: PSI bulletin lists series and fee but no question count for the Public Adjuster exam
  • ·Exam time minutes: Not stated in the PSI bulletin
  • ·Exam passing score: Not stated in the PSI bulletin
  • ·Application method: Department public adjuster page could not be reached when we checked; NIPR requirement is from the PSI bulletin's application section and RSA 402-D:2 (uniform application)

New Hampshire in the reference tables

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

See how a claim runs in New Hampshire, stage by stage Associations covering New Hampshire

New Hampshire law in the library

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

  • New Hampshire Admin. Rules Part Ins 1002: Claim Settlement for Property & Casualty Insurance New Hampshire Insurance Department
  • New Hampshire RSA 358-A:3 — Consumer Protection Act, Exempt Transactions New Hampshire General Court
  • New Hampshire RSA Chapter 400-A: Insurance Department New Hampshire General Court
  • New Hampshire RSA Chapter 402-B: Insurance Claims Adjusters New Hampshire General Court
  • New Hampshire RSA Chapter 402-D: Public Adjusters New Hampshire General Court
  • New Hampshire RSA Chapter 404-C: Mandatory Risk Sharing Plans New Hampshire General Court
  • New Hampshire RSA Chapter 405: Foreign Insurance Companies and Their Agents New Hampshire General Court
  • New Hampshire RSA Chapter 407: The Fire Insurance Contract and Suits Thereon New Hampshire General Court