On July 1, 2025, Iowa will begin licensing independent insurance adjusters. This will affect both Iowa resident adjusters and anyone who wants to adjust claims in Iowa in the future. They will also begin licensing staff adjusters, although this license is not required, unlike the independent adjuster license. Keep reading for more information.
We will continue updating this article as more information and details are released. Our team is also available to answer any questions you may have.
If you’re ready to get your Iowa license, we’re ready to help! Our NEW Iowa Adjuster Exam Prep course is available and will prepare you for the mandatory state exam. It was developed in accordance with the independent adjuster exam content outline and is the only prep course currently on the market.
New Iowa Insurance Regulations
Iowa, which did not previously require insurance adjusters to be licensed, recently passed Senate Bill 619. Moving forward, this new law requires independent adjusters to pass a state licensing exam to obtain an Iowa license and adjust claims in the state. However, new regulations are in place that apply to currently licensed and/or working adjusters, which will help facilitate the process. Keep reading.
Who Needs an Iowa Adjuster License?
FUTURE ADJUSTERS: If you are an Iowa resident considering becoming an adjuster, you will need to complete the licensing and examination process. The Iowa state adjuster exam, provided by PearsonVue, is scheduled to be offered starting July 1, 2025.
CURRENT ADJUSTERS: New regulations were issued on June 9th, 2025. Please carefully read the following to determine your best path forward. You can read the full list of new rules and regulations in Iowa’s Bulletin 25-04.
Independent Adjuster and Staff Adjuster That Provided Adjuster Services Prior to January 1, 2025
An independent adjuster or staff adjuster, who has been providing insurance adjuster services in Iowa or any other state prior to January 1, 2025, and who is interested in becoming licensed in Iowa, can submit the Modified Licensure Process Application until October 1, 2025, to request a license without having to take and pass the Iowa exam.
You will be allowed to continue providing services as an independent adjuster or staff adjuster until a formal licensing decision is provided by the Iowa Insurance Division, so long as the application was submitted no later than Oct. 1, 2025. As a reminder, licensure for staff adjusters is optional.
Veteran adjusters: that means you have until October 1, 2025, to submit the modified license application/attestation if you want to get your Iowa license without having to take the state exam. If you do not submit by the deadline, or if you are not approved by IID, you will need to pass the Iowa exam.
Independent Adjuster and Staff Adjuster That Did Not Provide Adjuster Services Prior to January 1,
2025
If you did not start working as an independent adjuster or staff adjuster in Iowa or any other state prior to January 1, 2025, and you are interested in becoming licensed in Iowa, you must meet the examination requirements through the normal licensing process unless waived by the commissioner. Those adjusters who submit a waiver request by October 1, 2025, will be allowed to continue working as an independent adjuster or staff adjuster until the Iowa Insurance Division provides a formal licensing decision.
We do not have much information on what qualifications or experience the Iowa Insurance Division will use to determine whether or not you are approved at this time.
Iowa Adjuster Exam, Licensing, & Fingerprinting Details
Starting on July 1st, 2025, PearsonVue will begin administering the Iowa Insurance Adjuster Exam. There is no pre-licensing education requirement, but we do know the test will include state-specific regulations, so you’ll want to prepare accordingly. Our team is hard at work building an Exam Prep course to help you learn about state regulations and pass the exam on the first try. Stay tuned.
Independent adjuster licensing will require fingerprinting, a background check, and a $50,000 bond. If you are currently licensed by another state insurance regulator that performed a criminal history check when you received your license or upon the most recent license renewal, you will not need to complete a separate background check for Iowa.
If you are currently licensed in another state and did not have a criminal history check performed by another state’s insurance regulator, you must comply with Iowa’s criminal history check
requirements. You will be allowed to continue to provide services while the Division reviews the criminal history check, as long as you apply for licensure no later than Oct. 1, 2025.
The bond, which is referred to as “evidence of financial responsibility (from an insurer authorized to act as a surety)” in the state’s statute, is required. You can find a list of approved surety carriers on the Iowa website.
Applications will be submitted through NIPR. We are still waiting on details regarding vendors and instructions.
Iowa Adjuster Continuing Education
Like most licensing states, Iowa will require adjusters to complete CE to maintain their license. Information is still forthcoming, but it is likely they will require 24 hours of CE with 2 or 3 hours of ethics to stay compliant.
Iowa Adjuster Reciprocity
Unfortunately, it does not look like Iowa will offer ANY reciprocal licenses to out-of-state adjusters.
Iowa’s reciprocity statute allows for reciprocal licensing only if the applicant’s home state exam includes Iowa law. Since no other state includes Iowa-specific content in their exam, there’s no reciprocity at this time.
Non-resident adjuster applicants and licensed adjusters in another state who want an
Iowa resident adjuster license after relocating to Iowa may complete and attest to an informational
examination document for purposes of meeting the examination exemption.
INSURANCE TEAMS & STAFF ADJUSTERS
While a staff adjuster license isn’t mandatory, there are some reciprocity issues that may affect your team members if they don’t get the license. Contact our Enterprise Team to discuss the best path forward for your company.
Iowa Adjuster Courses Coming Soon!
Our team is hard at work building an Exam Prep course, based on PearsonVue’s outline, to help you pass the Iowa adjuster exam quickly and confidently. AdjusterPro course content will be based on PearsonVue’s exam outline.
We are also beginning the submissions process to get continuing education courses approved in Iowa so that when you’re ready for CE, the courses are available.
Questions?
Iowa Insurance Division
Phone: 515-654-6565
Email: Producer.licensing@iid.iowa.gov
Or reach out to us:
AdjusterPro Corporate Teams: Enterprise Support or 480-739-6770
AdjusterPro Customers & Students: Contact Us or 214-329-9030
