# How to Become an Insurance Adjuster in Mississippi

_Licensing_

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

Mississippi requires insurance adjusters to be licensed through the Mississippi Insurance Department (MID). The licensing process includes a state exam and fees totaling approximately $152, with no pre-licensing education required. Mississippi's Gulf Coast exposure to hurricanes and severe storms makes it one of the most active catastrophe claims markets in the Southeast. The state also has a notable exemption for multi-peril crop adjusters and a unique license renewal cycle tied to your birth month.



Mississippi issues adjuster licenses under two primary categories:

Independent Adjuster — Adjusters contracted by insurers to investigate, negotiate, and settle property and casualty claimsPublic Adjuster — Adjusters who represent policyholders in the claims processMulti-peril crop adjusters holding valid CAPP (Certified Adjuster of Property Procedures) cards are exempt from Mississippi adjuster licensing. This exemption recognizes the specialized federal training and certification that crop adjusters maintain through the USDA Risk Management Agency.



The Mississippi adjuster licensing exam is a multiple-choice test requiring a 70% passing score. The exam covers property insurance, casualty insurance, claims adjusting procedures, Mississippi insurance law, and ethics. Exams are administered through an approved third-party testing provider.

Candidates who do not pass on the first attempt may retake the exam after a waiting period. Voluntary exam preparation courses are recommended for first-time applicants.



Prepare for and pass the state licensing exam (70% passing score)Complete the license application through the Mississippi Insurance DepartmentPay application, exam, and processing fees (total approximately $152)Submit to a background check if requiredReceive your adjuster licenseNote: Mississippi adjuster licenses expire on the last day of your birth month in the second year of the license cycle, with a guaranteed minimum initial term of 13 months. Plan your renewal timeline accordingly.



Mississippi requires all licensed adjusters to complete 24 hours of continuing education every 2 years for license renewal. CE courses must be taken through providers approved by the Mississippi Insurance Department. Courses cover property and casualty insurance, claims handling procedures, ethics, and Mississippi insurance law updates.



Mississippi's Gulf Coast is one of the most hurricane-prone areas in the nation, with major storms like Hurricane Katrina (2005) causing catastrophic damage across the southern part of the state. The state's agricultural economy also supports a significant crop insurance market, though multi-peril crop adjusters are exempt from state licensing. Mississippi's unique birth-month license expiration schedule means adjusters should track their renewal dates carefully to avoid lapses.