How to Become an Insurance Adjuster in Arizona

Arizona issues adjuster licenses through the Department of Insurance and Financial Institutions (DIFI). The state licenses both public and independent adjusters:

• Independent Adjuster — Works on behalf of insurance companies to investigate and settle claims
• Public Adjuster — Represents policyholders in the claims process against their insurance company

Staff adjusters who are salaried employees of a single insurance carrier may be exempt from individual licensing requirements.

Arizona does not require any pre-licensing education hours before taking the adjuster exam. Candidates are responsible for self-study and exam preparation on their own. Exam preparation courses are available from multiple providers and are recommended for first-time candidates.

The Arizona adjuster exam is administered through a state-approved testing vendor and requires a passing score of 70%. The exam covers general insurance principles, property and casualty claims adjusting, Arizona insurance law, and ethical practices. Candidates can schedule their exam at testing centers throughout Arizona or at national testing locations.

1. Prepare for the state adjuster licensing exam
2. Schedule and pass the Arizona adjuster exam with a score of 70% or higher
3. Submit fingerprints and undergo a criminal background check
4. Complete the license application through Arizona DIFI or via NIPR
5. Pay all applicable fees
6. Receive your Arizona adjuster license

Arizona is one of the few states that has no continuing education requirement for licensed adjusters. Once you obtain your Arizona adjuster license, you are not required to complete any CE hours to maintain or renew it. This makes Arizona one of the most maintenance-friendly adjuster licenses in the country.

Arizona participates in non-resident licensing reciprocity. Adjusters who hold a valid resident license in their home state can apply for an Arizona non-resident adjuster license without retaking the state exam. Non-resident applications are processed through NIPR or directly through Arizona DIFI.

Yes. All applicants must submit fingerprints and pass a criminal background check as part of the Arizona adjuster licensing process. Background checks are conducted through state and FBI criminal history databases.

• Arizona Department of Insurance and Financial Institutions (DIFI)
• DIFI Licensing & Professionals
• NIPR — National Insurance Producer Registry

Arizona's lack of a continuing education requirement makes it an attractive license to hold, especially for adjusters who want to maintain active licenses in multiple states without the burden of tracking CE hours. The state also sees significant claims activity from monsoon season damage, haboob (dust storm) events, desert wildfires, and rapid population growth in the Phoenix and Tucson metro areas.