Insurance License Rules of Reciprocity Adjuster licensing reciprocity is the system whereby a state will recognize and honor the validity of another state's license. This enables adjusters to obtain another state's NON RESIDENT license without taking that state's exam or equivalent coursework. Over 30 states grant reciprocity with other states that require a structured P&C pre-licensing course, a final exam, and a back ground check. Reciprocity does not mean that, having obtained the Texas Adjuster's license, you are immediately licensed in 32 states. You will still need to apply for each particular state's non-residents license according to the regulating agency of the state if you wish to work non CAT (Daily) claims in those states. You can only obtain these other licenses if you are a Texas resident or are a resident of a s1tate that requires no state license. If you are not a Texas resident, it is important to note that in order to enjoy the benefits of reciprocity through the Texas Adjuster's License, in most cases you will need to have a resident license in your home state. For example, a resident of Georgia seeking to obtain a Florida adjuster's license through their Texas All-Lines Adjuster's license will only be able to do so by: • Holding their Georgia adjuster's resident license • Establishing residency in Texas However, if your state of residence does not have a licensing requirement but you hold your Texas All-Lines Adjuster's License, you will be eligible for reciprocity with other states. Thus, a resident of Missouri (no state licensing requirement) who has a non-resident license from Texas will still be able to be licensed in Florida without being required to take the Florida exam. Reciprocity is only needed for handling DAY Claims, not CAT claims. There is absolutely no reason to have multiple licenses for CAT deployment. Multiple licenses (non-resident) are only needed if there is work NOT declared as an emergency by the governor of the affected state. CAT is associated with declared emergency deployment. When there is a declared emergency; an emergency permit is issued to an adjuster with a valid license from any state. There is certainly a lot of snow, hail, and tornado damage, but those are typically categorized as day claims, not CAT. They all require resident or non resident licenses in the state where the damage occurred for an adjuster to legally work those claims if that state has a licensing requirement. The license required depends on whether it is a declared emergency or not.

Step 3

Step 2

Step 1

The governor declares an emergency in his state

The claims management firm you are working for will apply for an emergency permit

The adjuster may typically work under that permit for typically up to 6 months depending on the state