# How to Become an Insurance Adjuster in Washington

_Licensing_

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Washington requires insurance adjusters to be licensed through the Office of the Insurance Commissioner (OIC). The state stands out for having one of the lowest licensing fees in the nation at approximately $90 total. Washington faces diverse and significant catastrophe risks, including Cascadia Subduction Zone earthquakes, wildfires, and severe winter storms. The state's booming tech industry and growing population in the Seattle-Tacoma corridor create a robust insurance market with high-value property claims.



Washington issues adjuster licenses through the Office of the Insurance Commissioner (OIC). 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 disputesStaff adjusters employed exclusively by an insurance company may be exempt from individual licensing requirements. Both independent and public adjusters must pass a state examination and maintain active licensure with the OIC.



Washington requires adjuster applicants to pass a state licensing examination. The exam covers property and casualty insurance principles, Washington 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 on policy interpretation, damage assessment, liability analysis, and Washington-specific regulatory provisions. Candidates should prepare for questions related to Washington's unique insurance regulations and consumer protection standards.



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 Washington OICPay all applicable application and exam feesReceive your Washington adjuster license

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

Adjusters should track their CE completion and submit documentation during the renewal process. Non-resident licensees must comply with the CE requirements of their home state.



Washington faces significant natural catastrophe exposure from multiple sources. The Cascadia Subduction Zone poses a major earthquake and tsunami risk along the state's coast, while wildfire exposure has increased dramatically in eastern Washington and forested areas. The state's major tech industry properties in the Seattle-Tacoma corridor represent high-value commercial and residential claims. Washington's very low licensing fees ($90 total) make it one of the most affordable states to get licensed in, removing a common barrier to entry for new adjusters.