Designated Home State
A licensing state an adjuster declares as home when residing in a state that does not issue adjuster licenses, used for non-resident licensing elsewhere.
DHS licensing — commonly Florida or Texas — allows adjusters from non-licensing states to obtain a valid license for reciprocity and roster requirements. The adjuster must comply with that state's CE and renewal rules.
Examples
An adjuster in Pennsylvania (no state license) obtains a Florida all-lines license as DHS to work nationwide cat deployments.
Common Misconceptions
Letting DHS license lapse invalidates many non-resident licenses. Alaska does not accept DHS for its resident rules — verify state quirks.
Related Terms
Browse the Insurance Claims Glossary
Looking for more insurance and claims terminology? Browse the complete A-Z glossary or explore the Claims Pages Academy for licensing guides, coverage explainers, and more.
Back to Glossary Claims Pages AcademyThis definition is provided for informational and educational purposes. Insurance terminology may vary by jurisdiction, policy, and context. Consult a licensed professional for guidance specific to your situation.
