# How to Become an Insurance Adjuster in Massachusetts

_Licensing_

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Massachusetts does not require independent adjusters to hold a state-issued license, though the state does offer a Public Adjuster License for adjusters representing policyholders. If you are a Massachusetts resident planning a career in independent adjusting, obtaining a Designated Home State (DHS) license from Florida or Texas is the standard path. Massachusetts' exposure to Nor'easters, winter storms, coastal flooding, and its inventory of historic properties and high-value coastal real estate create a steady claims market throughout the year.



Massachusetts does not require independent adjusters to hold a state-issued license. Staff adjusters employed by insurers are also exempt. However, the state does issue a Public Adjuster License for adjusters who represent policyholders in the claims process.

Independent adjusters working in Massachusetts should obtain a Designated Home State (DHS) license from another state (commonly Florida or Texas) for two key reasons:

Independent adjusting firms and carriers require a license for roster eligibilityA home state license is required to obtain non-resident licenses in states that mandate adjuster licensing

No state exam is required for independent adjusters since Massachusetts does not issue that license type. Public adjuster applicants should contact the Massachusetts Division of Insurance for current exam requirements and procedures.



Choose a Designated Home State for your license (Florida and Texas are the most common)Complete that state's licensing requirements (exam, pre-licensing education if applicable, and application)Obtain your DHS licenseUse your DHS license to apply for non-resident licenses in states where you plan to workIf pursuing public adjusting in Massachusetts, apply separately through the Division of Insurance

Independent adjusters have no Massachusetts CE requirements since the state does not issue the license. Licensed Public Adjusters must complete 15 hours of continuing education for renewal. Your DHS state will set its own CE requirements — Florida and Texas both require 24 CE hours every 2 years.



Massachusetts presents unique claims challenges due to Nor'easters, winter storms, coastal flooding, and a high concentration of historic properties that require specialized knowledge for damage assessment. The state's high-value coastal real estate — particularly on Cape Cod, Martha's Vineyard, and Nantucket — generates significant property claims. While independent adjusters do not need a Massachusetts license, having a DHS license and experience with historic property claims can be valuable in this market.