Iowa Independent Adjuster Licensing Requirements Effective July 1, 2025

Important Update for All Adjusters Operating in Iowa

The Iowa Insurance Division is implementing new licensing requirements for independent adjusters following the passage of Senate File 619, which was signed into law on April 22, 2025, and outlined in Bulletin 25-04 . This represents a significant change as Iowa previously did not require licensing for independent adjusters. All adjusters are advised to monitor the Iowa Insurance Division website for the most current information.

Your ReSource Pro Licensing Team will be available to assist you with these new requirements. Please reach out to compliance@resourcepro.com, or (254) 729-8002. Below is a simplified Breakdown of the licensing requirement changes:

New Licensing Requirements

Independent Adjuster Licenses Now Required

Beginning July 1, 2025, Iowa will require independent adjusters to obtain a state license to operate within the state. This licensing requirement applies to:

• Iowa resident adjusters who do not hold an independent adjuster license in any state
• Non-resident adjusters who hold independent adjuster licenses in other states
• Business entities seeking independent adjuster licenses

Staff Adjuster Licenses (Optional)

Iowa will also offer staff adjuster licenses, though licensing for staff adjusters remains optional. Staff adjusters who choose to obtain a license will need to submit proof of employment and evidence of financial responsibility.

Modified Licensing Process for Current Adjusters

Eligibility for Attestation Process

If you have been working as an independent adjuster in Iowa or any other state prior to January 1, 2025, you may be eligible for a Modified Licensing Process that allows you to obtain a license without taking the state examination.

Key Requirements for Modified Process

To qualify for the modified licensing process, you must:

• Have been working as an independent adjuster or staff adjuster prior to January 1, 2025, in any state
• Have the requisite character and competence to be licensed as an adjuster
• Provide detailed employment information for verification purposes (see Modified Licensing Process Attestation)

Application Deadline

The License Attestation for Adjusters, Appraisers and Umpires must be submitted by October 1, 2025. Adjusters who submit applications by this deadline may continue providing services while their licensing decision is pending.

Standard Licensing Process

For New Adjusters

Adjusters who do not qualify for the modified process must:

• Pass the Iowa adjuster examination through Pearson VUE
• Complete the application process
• Submit evidence of financial responsibility

Examination Requirements

The Iowa state adjuster exam will be offered starting July 1, 2025, and is provided by PearsonVue. Exam results are valid for 90 days and will be electronically submitted to the NIPR online system.

Additional Requirements

Criminal History Checks

As outlined in Bulletin 25-03, the Iowa Insurance Division has selected Fieldprint to conduct fingerprinting and federal criminal history checks as authorized under Iowa Code 522B.5A6. The Iowa Department of Criminal Investigation will conduct state criminal history checks using fingerprints provided by Fieldprint.

Financial Responsibility

All independent adjusters must submit evidence of financial responsibility as part of their application process.

Action Items

Immediate Actions Required:

1. Current Adjusters (working prior to 1/1/2025): Submit the License Attestation form by October 1, 2025, to avoid examination requirements
2. New Adjusters: Prepare for examination requirements and gather necessary documentation
3. All Adjusters: Review Iowa Administrative Code Chapter 55 for detailed regulatory requirements