# How to Become an Insurance Adjuster in Alabama

_Licensing_

Canonical: https://www.claimspages.com/learn/licensing/alabama/

Alabama is a high-demand state for insurance adjusters due to its exposure to hurricanes along the Gulf Coast, tornados across the central and northern regions, and severe thunderstorm activity throughout the state. The Alabama Department of Insurance (ALDOI) requires independent adjusters to pass a state exam and obtain a license before handling claims. Staff adjusters employed by a single insurer are generally exempt from individual licensing.



Alabama issues a Licensed Independent Adjuster license through the Alabama Department of Insurance (ALDOI). This license is required for independent adjusters who investigate, negotiate, or settle claims on behalf of insurers.

Independent Adjusters — Must hold an active license to work claims in AlabamaStaff Adjusters — Employees of a single insurance company are generally exempt from individual licensing requirementsPublic adjusters who represent policyholders must also be licensed under a separate public adjuster designation.



The Alabama adjuster exam is administered by Pearson VUE and covers property insurance, casualty insurance, claims adjusting procedures, and Alabama insurance law. A passing score of 70% is required.

Candidates should be prepared for questions covering policy interpretation, coverage determination, claims investigation, and ethical obligations under Alabama law. Study guides and practice exams are available through multiple exam prep providers.



Study for the adjuster licensing exam (no pre-licensing course required, but recommended)Schedule and pass the state licensing exam through Pearson VUE with a score of 70% or higherSubmit fingerprints for a criminal background checkComplete the license application through the ALDOI online licensing portal or via NIPRPay all applicable application and fingerprint processing feesReceive your Licensed Independent Adjuster license (processing typically takes 2–4 weeks)

Alabama requires 24 hours of continuing education every 2 years for license renewal, including a minimum number of hours in ethics coursework. CE courses must be approved by the ALDOI, and adjusters must complete all CE requirements before their license expiration date to avoid lapse.



Alabama's Gulf Coast location makes it one of the most active states for catastrophe claims, particularly following hurricanes and tropical storms. Tornado activity across central and northern Alabama also drives significant claims volume. Adjusters licensed in Alabama are well positioned for storm season deployments throughout the Southeast.