# How to Become an Insurance Adjuster in Idaho

_Licensing_

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Idaho is a growing state with increasing insurance claims activity driven by population growth, expanding wildfire exposure, and rural property risks. The Idaho Department of Insurance requires independent and public adjusters to pass a state exam and hold an active license. With no pre-licensing education requirement and a straightforward application process, Idaho is a manageable state to get licensed in for adjusters looking to expand their geographic coverage.



Idaho issues adjuster licenses through the Idaho Department of Insurance. The state licenses both public and independent adjusters:

Independent Adjuster — Investigates, negotiates, and settles claims on behalf of insurance companiesPublic Adjuster — Represents policyholders in the claims process against their insurerStaff adjusters employed by a single insurance carrier are generally exempt from individual licensing requirements.



The Idaho adjuster exam covers property and casualty insurance principles, claims adjusting procedures, Idaho insurance statutes, and ethical obligations. A passing score of 70% is required. The exam is administered through a state-approved testing vendor, and candidates can schedule appointments at testing centers in Boise and other locations or at national testing facilities.



Prepare for the Idaho adjuster licensing examSchedule and pass the state exam with a score of 70% or higherComplete a criminal background checkSubmit the license application through the Idaho Department of Insurance or via NIPRPay all applicable feesReceive your Idaho adjuster license

Idaho requires 24 hours of continuing education every 2 years for license renewal. This includes ethics coursework as part of the required hours. CE courses must be approved by the Idaho Department of Insurance, and all hours must be completed before the license renewal deadline.



Idaho is experiencing significant population growth, particularly in the Boise metropolitan area, which is driving increased insurance activity. The state also faces growing wildfire exposure across its forested regions, with fire seasons becoming longer and more intense. Rural property claims in Idaho often involve unique challenges related to remote locations, limited contractor availability, and agricultural structures.