# How to Become an Insurance Adjuster in Indiana

_Licensing_

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Indiana is an active Midwest insurance market with significant exposure to tornadoes, severe thunderstorms, hail, and wind damage. The Indiana Department of Insurance (IDOI) requires independent and public adjusters to pass a state exam and hold an active license. With total initial licensing costs of approximately $109, Indiana is one of the most affordable states to get licensed in, making it an excellent addition to any adjuster's multi-state license portfolio.



Indiana issues adjuster licenses through the Indiana Department of Insurance (IDOI). The state licenses both public and independent adjusters:

Independent Adjuster — Investigates and settles insurance claims on behalf of carriersPublic Adjuster — Represents policyholders in their insurance claims against carriersStaff adjusters employed by a single insurance company are generally exempt from individual licensing requirements in Indiana.



The Indiana adjuster exam covers property and casualty insurance fundamentals, claims adjusting procedures, Indiana insurance law, 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 Indianapolis and other locations across the state.



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

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



Indiana is an active Midwest market for insurance claims, particularly during tornado season and severe thunderstorm events. The state's affordable licensing fees (approximately $109 total) make it one of the least expensive adjuster licenses to obtain, which is especially attractive for new adjusters building out their multi-state license portfolio.