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State guide

How to become a public adjuster in Oregon

Oregon requires a public adjuster license. There is no statutory fee cap; the governing law is ORS 744.505, 744.521; OAR 836-071-1100 et seq..

Time-based compensation only if the insurer pays policy limits within 72 hours.

The pathway

Getting licensed in Oregon

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. Issued by the Oregon Division of Financial Regulation. Since 2025-08-01 (Permanent Order ID 5-2025) the public adjuster license is governed by its own rules, OAR 836-071-1100 to 836-071-1195, and is limited to first-party property claims excluding personal and commercial auto lines.

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 Fees and hours change with the legislative calendar, and this page may be out of date.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. Register with PSI and pass the Oregon Public Adjuster exam (series 12-12; $45; 70% to pass). No prelicensing course is required.

  2. Have digital fingerprints taken at a PSI center in Oregon or through Fieldprint Oregon ($61.25).

  3. Apply online through NIPR for the public adjuster license and pay the $75 fee plus NIPR's processing fee.

  4. Provide the evidence of financial responsibility the director prescribes and keep it in your records (no fixed bond amount is published in the rules).

  5. Renew every two years in your birth month through NIPR ($45) after completing 24 hours of CE, including 3 hours of ethics and, for residents, 3 hours of Oregon law.

Who can apply
At least 18 years old · Residents and non-residents Resident applicants must establish a residence or place of business in Oregon (ORS 744.525); nonresident licenses are issued under OAR 836-071-1140.
Prelicensing course
Not required The PSI candidate bulletin lists adjuster exams among those that do not require prelicensing education verification; DFR lists no prelicensing course for adjusters.
State exam
PSI · pass at 70% · $45 per attempt $45 is the single-line exam fee on DFR's fees page. The exam can be taken at any PSI center or online; request the Oregon exam.
Application
NIPR · $75 application fee Exam $45 (single line). DFR states an NIPR processing fee is charged in addition to the $75 license fee. Paper applications are not accepted.
Background check
New resident applicants must be fingerprinted (digital scan at a PSI test center in Oregon or via Fieldprint Oregon); fee $61.25 ($46.25 state processing + PSI fee). Fingerprint fee $61.25
Surety bond
No bond required No bond amount appears in ORS 744.521–744.528 or in OAR 836-071-1100 to 836-071-1195. The record-keeping rule requires a public adjuster to keep 'evidence of financial responsibility in a format prescribed by the director.' Surety-company marketing pages advertise a $50,000 Oregon adjuster bond, but no regulator source confirming that amount was found.
Renewal
Every 2 years · $45 An individual adjuster license expires biennially in the month of the licensee's birthday (OAR 836-071-0130). Late renewal within 12 months costs $90 (double the fee). Renewals are filed through NIPR; an NIPR processing fee applies.
Continuing education
24 hours · Every 2 years · 3 in ethics 24 hours before each renewal, including 3 hours of ethics; resident licensees must also complete 3 hours of Oregon law (DFR adjuster page; OAR 836-071-1155 / ORS 744.521(2)(a)(B)).
Already licensed elsewhere?
Reciprocity available Nonresident license under OAR 836-071-1140 if the applicant holds a resident public adjuster license in good standing and the home state reciprocates. Exam waived under OAR 836-071-1135 for applicants licensed by examination in another state; DFR requires applicants from non-reciprocal states (it names CA, NY, HI) to pass the Oregon exam.

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:

  • ·Bond amount: No bond amount found in ORS 744 or OAR 836-071; only surety-vendor pages cite $50,000.
  • ·Exam questions: The PSI bulletin lists the Public Adjuster exam (series 12-12) but its question count and time limit were not extracted.
  • ·Exam time minutes: Not found in the PSI bulletin text extracted.

Oregon in the reference tables

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

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

Oregon law in the library

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

  • DCBS Wildfire Emergency Order (July 31, 2026) Oregon Department of Consumer and Business Services, Division of Financial Regulation
  • DCBS Wildfire Emergency Order (July 31, 2026) (original PDF) Oregon Department of Consumer and Business Services, Division of Financial Regulation
  • OAR 836-071-1100 to 836-071-1195 — Public Adjusters Oregon Department of Consumer and Business Services, Division of Financial Regulation
  • OAR 836-080-0205 to 836-080-0250 — Unfair Claim Settlement Practices Oregon Department of Consumer and Business Services, Division of Financial Regulation
  • ORS 735.005 to 735.145 — Essential Property Insurance; Oregon FAIR Plan Association Oregon State Legislature
  • ORS 742.053 — Forms for proving loss; requirements for insurer in instances of major disaster Oregon State Legislature
  • ORS 742.061 — Recovery of attorney fees in action on policy or contractor's bond Oregon State Legislature
  • ORS 742.200 to 742.246 — Standard Fire Insurance Policy Oregon State Legislature