# How to Become an Insurance Adjuster in Hawaii

_Licensing_

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

Hawaii presents a unique insurance market shaped by its isolated island geography, exposure to hurricanes and volcanic activity, and specialized construction and repair costs. The Hawaii Insurance Division requires independent and public adjusters to pass a state exam and obtain a license. Notably, Hawaii has no continuing education requirement, making it one of the lowest-maintenance adjuster licenses to maintain. Public adjusters must post a $10,000 surety bond.



Hawaii issues adjuster licenses through the Hawaii Insurance Division. The state licenses both public and independent adjusters:

Independent Adjuster — Investigates and settles claims on behalf of insurance companiesPublic Adjuster — Represents policyholders in the claims process and must post a surety bondStaff adjusters employed by a single insurer may be exempt from individual licensing requirements.



The Hawaii adjuster exam is administered by Pearson VUE and requires a passing score of 70%. The exam covers property and casualty insurance principles, claims adjusting procedures, Hawaii insurance law, and ethical obligations. Due to Hawaii's unique geographic and regulatory environment, the exam includes questions specific to island-related insurance issues.



Prepare for the Hawaii adjuster licensing examSchedule and pass the Pearson VUE exam with a score of 70% or higherSubmit fingerprints for a criminal background checkComplete the license application through the Hawaii Insurance DivisionPay all applicable application, exam, and fingerprint feesFor public adjusters: Post the required $10,000 surety bondReceive your Hawaii adjuster license

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



Hawaii's isolated island geography creates unique challenges for insurance claims work, including higher costs for materials and labor, longer repair timelines, and specialized construction methods. The state is also exposed to hurricanes, volcanic activity, tsunamis, and flooding. Adjusters working in Hawaii should be prepared for logistical challenges and the higher cost of living associated with deployment to the islands. The lack of a CE requirement makes this license easy to maintain once obtained.