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 your home state or DHS license holds the lines of authority that you are requesting from the new state. For example, if you hold a P&C Adjuster License, you are only qualified for a P&C reciprocal license in another state. You cannot 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 here – Reciprocity: The Truth About Licensing Agreements.
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 our reciprocity map and click on your state.