# How to Become an Insurance Adjuster in Rhode Island

_Licensing_

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Rhode Island requires insurance adjusters to be licensed through the Department of Business Regulation (DBR). While the state is the smallest in the nation by area, its dense coastal population and exposure to hurricanes and nor'easters create consistent claims activity. Rhode Island is notable for having the highest adjuster licensing fees in the country at $250, with a $300 reinstatement fee for lapsed licenses. The state offers multiple lines of authority including property/casualty, crop, and workers' compensation.



Rhode Island issues adjuster licenses through the Department of Business Regulation (DBR). The state offers the following lines of authority for adjusters:

Property and Casualty Adjuster — Covers standard homeowner, commercial property, and casualty claimsCrop Adjuster — Specialized for agricultural and crop insurance claimsWorkers' Compensation Adjuster — Handles workplace injury and workers' compensation claimsBoth independent and public adjusters must obtain a license. Applicants must be at least 18 years of age to apply. Licenses are renewed every 2 years on the licensee's birth month.



Rhode Island requires adjuster applicants to pass a state licensing examination administered by Pearson VUE. The exam covers property and casualty insurance principles, Rhode Island insurance statutes, claims adjusting procedures, and ethics. A passing score of 70% is required.

The exam includes questions on policy interpretation, coverage analysis, damage assessment, and Rhode Island-specific regulatory requirements. Candidates are advised to study Rhode Island insurance law thoroughly, as the state-specific content can be challenging for those unfamiliar with the market.



Confirm you meet the minimum age requirement (18 years old)Prepare for the Pearson VUE state licensing examPass the examination with a 70% or higher scoreSubmit your license application through NIPR or directly with the Rhode Island DBRComplete the background check process (certified background check for residents)Pay the $250 license fee and any applicable exam feesReceive your Rhode Island adjuster license

Rhode Island requires licensed adjusters to complete 24 hours of continuing education every 2 years for license renewal. CE coursework must be approved by the Rhode Island Department of Business Regulation and should include ethics content.

Licenses renew on the licensee's birth month every two years. Failure to complete CE requirements by the renewal date may result in license lapse, requiring reinstatement at a significantly higher fee ($300).



Rhode Island is the smallest state by area but has a dense coastal population that is highly exposed to hurricanes, nor'easters, and storm surge. The state's licensing fees are the highest in the nation at $250 for initial licensure and $300 for reinstatement, so adjusters should plan ahead for renewal deadlines. Despite the high fees, the market offers steady claims volume due to its coastal geography and aging housing stock.