# How to Become an Insurance Adjuster in South Carolina

_Licensing_

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South Carolina is a major market for insurance adjusters, particularly those specializing in catastrophe claims. The state's extensive Atlantic coastline and rapidly growing coastal population create high exposure to hurricanes, tropical storms, and flooding. The South Carolina Department of Insurance oversees adjuster licensing with a straightforward process that requires passing a state exam but does not mandate pre-licensing education.



South Carolina issues adjuster licenses through the South Carolina Department of Insurance (DOI). The state recognizes the following adjuster types:

Independent Adjuster — Adjusters who investigate and settle claims on behalf of insurance companiesPublic Adjuster — Adjusters who represent policyholders in claims disputes with their insurance companyStaff adjusters employed exclusively by a single insurer may be exempt from individual licensing, depending on the insurer's registration status with the state. Both independent and public adjusters must pass a state examination and maintain active licensure.



South Carolina requires adjuster applicants to pass a state licensing examination. The exam is administered through an approved testing provider and covers property and casualty insurance fundamentals, South Carolina insurance law, claims handling procedures, and professional ethics. A passing score of 70% is required.

The exam includes questions on policy interpretation, damage assessment, liability analysis, and state-specific regulatory provisions. Candidates should prepare thoroughly, as the South Carolina exam includes a significant number of state law questions.



Prepare for the state licensing exam (voluntary prep courses available)Schedule and pass the state adjuster examination with a 70% or higher scoreSubmit fingerprints and complete the background checkSubmit your license application through NIPR or directly with the SC Department of InsurancePay all applicable application and exam feesReceive your South Carolina adjuster license (processing typically takes 2-4 weeks)

South Carolina requires licensed adjusters to complete 24 hours of continuing education every 2 years for license renewal. CE courses must be approved by the South Carolina Department of Insurance and should include ethics content.

Adjusters should retain certificates of completion and submit them as required during the renewal process. Non-resident licensees must comply with the CE requirements of their home state.



South Carolina's extensive coastline and growing coastal population make it one of the most active hurricane and storm claims markets on the East Coast. The state sees significant catastrophe adjuster deployment during hurricane season (June through November). Charleston, Myrtle Beach, and Hilton Head are particularly high-risk areas for wind, flood, and storm surge damage. Adjusters looking to build a catastrophe career should strongly consider obtaining a South Carolina license.