# How to Become an Insurance Adjuster in Oregon

_Licensing_

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Oregon requires insurance adjusters to be licensed through the Oregon Division of Financial Regulation (DFR). The state does not mandate pre-licensing education, but all applicants must pass a state exam that includes Oregon-specific insurance law content. Oregon's unique risks — including wildfire exposure and Cascadia Subduction Zone earthquake potential — make it an important market for catastrophe adjusters, while its distinctive CE requirements ensure adjusters stay current with state regulations.



Oregon issues adjuster licenses through the Division of Financial Regulation (DFR). The state recognizes the following adjuster types:

Independent Adjuster — Adjusters who investigate and settle claims on behalf of insurersPublic Adjuster — Adjusters who represent policyholders in claims disputesBusiness entities that employ adjusters must file an Affiliation of Adjuster form within 30 days of hiring or contracting with an adjuster. Staff adjusters employed exclusively by a single insurer may have different requirements depending on their employer's registration with the DFR.



Oregon requires adjuster applicants to pass the Oregon adjuster licensing examination. The exam covers property and casualty insurance fundamentals, Oregon insurance law, claims handling procedures, and professional ethics. A passing score of 70% is required.

The exam is administered through an approved testing provider and includes questions specific to Oregon statutes and regulations. Candidates should be prepared for questions on policy coverage interpretation, damage estimation, and state regulatory requirements. Study materials and practice tests are available from third-party education providers.



Prepare for the Oregon adjuster licensing exam (voluntary prep courses available)Schedule and pass the state examination with a 70% or higher scoreSubmit your license application through NIPR or directly with the Oregon DFRPay all applicable application and exam feesIf employed by a firm, ensure your employer files the Affiliation of Adjuster form within 30 daysReceive your Oregon adjuster license

Oregon requires licensed adjusters to complete 24 hours of continuing education every 2 years for license renewal. Oregon has unique CE requirements that differentiate between resident and non-resident licensees:

Resident adjusters: Must complete 24 CE hours, including 3 hours of ethics and 3 hours of Oregon insurance lawNon-resident adjusters: Must complete 24 CE hours as required by their home stateThe Oregon law component ensures that resident adjusters stay current with state-specific regulations and statutory changes. All CE courses must be approved by the Oregon Division of Financial Regulation.



Oregon presents unique risks for insurance adjusters to understand, including significant wildfire exposure across the state's forested regions and earthquake risk from the Cascadia Subduction Zone along the coast. The state's CE requirement for Oregon-specific law ensures adjusters are well-versed in state regulations. Business entities must remember to file the Affiliation of Adjuster form within 30 days of hiring or contracting with any adjuster.