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If you hold a California Resident Adjuster License, you can get an equivalent reciprocal license from any state highlighted in blue below by simply applying for it.


– Reciprocal licenses are only offered when you hold an equivalent license or a license with more lines of authority than what you are requesting.

– Recent Update: If you hold a California independent adjusters license, you can obtain a Texas license through reciprocity. Make sure you apply for the ‘Texas non-resident independent adjusters license’, not an all-lines license.

– Alaska and Arizona do not accept designated home state, or DHS, licenses. If you hold a Texas DHS license, you must pass an exam in those states to adjust claims.

  • Reciprocates with California
  • Non-Licensing State
  • Exam Required for License
  • Reciprocates with California

    All states in blue reciprocate with California, meaning no additional exams are required. Hurray! Just submit an application and pay any required fees to obtain these states’ licenses.

  • Non-Licensing States

    Simply put, reciprocity doesn't apply to the states in grey. These states don't offer adjuster licenses at all, and that includes reciprocal licenses.

  • Exam Required for License

    To obtain a license in the states highlighted in red, nonresident adjusters will have to take any state required courses and pass the state's exam.

The Fine Print For

California does not offer reciprocal licenses to adjusters from out-of-state. If you want to adjust claims in California, you’ll need to pass the state exam.

California adjusters are required to complete 24 continuing education hours to renew their license. Check out AdjusterPro’s California Adjuster CE collection to complete your hours online, when and where it works for you.

Makes It Easy.

I am licensed in 19 states and have adjusted claims from Washington to Florida, and everywhere in between. Licensing has been critical to my long-term success as an independent adjuster and reciprocity makes it easy to get and maintain multiple licenses.

Mathew Allen
Founder, AdjusterTV

Frequently Asked Questions

  • What is reciprocity?

    Reciprocity, or reciprocal licensing privileges, allows a licensed adjuster to obtain another state(s) license without having to pass that specific state’s exam. Thank goodness, right? Once you have your home state or DHS license, you can apply for other state licenses through reciprocity.

    It’s not automatic – you will need to complete the required paperwork and submit the licensing fees but most licensing states are now reciprocal with each other, as long as the license your home state or DHS license holds more lines of authority than what you are requesting. For example, if you hold a P&C Adjuster License, you are only qualified for a P&C reciprocal license in another state. You can not obtain a reciprocal All-Lines license if your home state or DHS license is for P&C because it covers fewer lines of authority.

    There are some additional caveats – New York, California and Hawaii do not reciprocate with any other state for example. You can read more about the importance of reciprocity in our Reciprocity: The Truth About Licensing Agreements article.

    It’s also important to note that reciprocity doesn’t always go both ways. For example, New York doesn’t offer reciprocal licenses to licensed adjusters from any other state. However, there are plenty of states that will offer licensed New York adjusters a reciprocal license.

    To learn what states will offer you a reciprocal license, visit the AdjusterPro Reciprocity Map and click on your state.

  • How does getting reciprocal licenses help me?

    The bottom line: the more licenses you have, the better. Whether it’s an insurance carrier or an independent adjusting firm, employers need adjusters who can work whenever and wherever claims happen. And you can only do that if you have the proper license for that state.

    For example, employers may need to send hundreds of adjusters to Florida after a hurricane. The company checks their roster and adjusters who hold a Florida license are first in line for deployment. But the large number of adjusters sent to Florida leaves holes for the daily claims that will still need to be handled in states like Georgia and Mississippi. So now they need to find adjusters who are licensed in those states to come in and work. You get the idea….

    Bottom Line: being licensed in multiple states will make you more attractive to employers, increase your revenue, and allow you to help wherever you are needed.

  • Which state offers the best reciprocity?

    This is one of the most common misconceptions about reciprocity. Too often, adjusters believe or hear from someone else that some states enjoy more reciprocity than others (e.g. Texas is reciprocal with 32 states!). That may have been true once upon a time, but in today’s industry, reciprocity is predicated not on what state license you have but on whether it’s your home state license. So if you want to enjoy reciprocal licensing privileges, you need to hold your home state license first. It’s that simple.

  • How do I get reciprocal licenses?

    Just because your home state is reciprocal with another does not mean you can just hop across state lines and begin working claims. You need to apply for the reciprocal license and pay the state’s fees. Obtaining reciprocal licenses will cost you anywhere from $55 – $175 per state for the application fees, plus the time it takes to complete all the necessary paperwork; usually about a day or two. Most states’ applications can be completed and submitted online from either NIPR or Sircon.

  • Why should I choose AdjusterPro?

    Our team is passionate about providing the best insurance training courses and online classroom experience in the industry. We are committed to helping you succeed at every step of your adjusting career.

    At AdjusterPro, we believe in serving our customers with transparency, honesty, and adhering to the Golden Rule, treating others as we would want to be treated.

    Building our company upon these principles, here are a few other ways we differentiate from the competition:

    • We offer over 170 courses – the most comprehensive catalog in the country
    • Our simple, engaging online training was created to help you comprehend and retain information
    • Keeping your license compliant is simple with our convenient continuing education courses
    • You’ll receive honest answers from our dedicated (real-people) customer engagement team
    • 50 states strong: we offer a path to licensing for every state
    • Over 50,000 people have trained with us
    • 8 of the country’s top 10 insurance carriers train with AdjusterPro
    • 98.4% customer satisfaction rating
    • AdjusterPro is more than just online courses. We’re the nation’s go-to resource for all things adjuster. Whether it’s licensing, reciprocity, CE, networking, tips of the trade, or career advice, we’ve got you covered.

    Whether you are just starting to explore the insurance claims industry, a Fortune 500 company, or are a veteran adjuster looking for additional training, we are here to help you reach your goals and achieve success.

Download The Guide:
Top 10 States for Reciprocal Licenses