# How to Become an Insurance Adjuster in Louisiana

_Licensing_

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

Louisiana is one of the most active catastrophe claims markets in the United States, with extensive exposure to hurricanes, flooding, and severe storms along the Gulf Coast. Major storms like Hurricane Katrina, Hurricane Laura, and Hurricane Ida have generated billions of dollars in insured losses, creating strong and recurring demand for licensed adjusters. The Louisiana Department of Insurance (LDI) administers the adjuster licensing process, which includes a Prometric exam, background check, and relatively modest fees totaling approximately $131.



Louisiana issues adjuster licenses under two primary categories:

Independent Adjuster — Adjusters contracted by insurers to investigate, negotiate, and settle property and casualty claims on the insurer's behalfPublic Adjuster — Adjusters who represent policyholders in the claims process, advocating for maximum settlement on behalf of the insuredStaff adjusters employed directly by an insurance company are generally exempt from individual licensing requirements. Louisiana's licensing framework is administered by the Louisiana Department of Insurance (LDI).



The Louisiana adjuster licensing exam is a computer-based, multiple-choice test administered by Prometric at testing centers throughout the state. A 70% passing score is required. The exam covers property insurance, casualty insurance, claims adjusting procedures, Louisiana insurance law, and ethics.

Candidates who do not pass on the first attempt may retake the exam after a waiting period. The exam fee is $15, making Louisiana one of the most affordable states for the exam itself. Study materials are available through multiple approved providers.



Register for and pass the adjuster licensing exam through PrometricSubmit fingerprints for background check processingComplete the license application through the LDI online licensing portalPay the application fee ($55) and fingerprint processing fee (~$61)Public adjuster applicants: obtain and file a $50,000 surety bondReceive your adjuster license (processing typically takes 2-4 weeks)

Louisiana requires all licensed adjusters to complete 24 hours of continuing education every 2 years for license renewal. CE coursework must include ethics training and may include updates to Louisiana insurance law and claims handling procedures. Courses must be taken through LDI-approved providers.



Louisiana is among the highest-volume catastrophe claims states in the nation, driven by major hurricanes including Katrina (2005), Laura (2020), and Ida (2021). The state's Gulf Coast exposure generates consistent demand for licensed adjusters, particularly during hurricane season from June through November. Getting licensed in Louisiana is a strategic move for any adjuster pursuing catastrophe work.