How To Become An Insurance Adjuster In Indiana

A house that is on fire, flooding, and has a meteor flying toward it

What Kind Of Insurance Adjuster Will You Be?

here are four main types of insurance adjusters: staff adjuster, independent adjuster, catastrophe adjuster, and public adjuster.

Each of these positions accomplishes essentially the same task: assess the damage to property brought about by some event and make an evaluation of what monetary value the insurance claim should carry.

The big difference between these different types of adjusters is who pays them, and in the case of the public adjuster, who they are advocating for. Staff, independent, and catastrophe adjusters all require the same type of license, while a public adjuster license is a little different in its specifications.

  • Staff Adjuster – Works directly for an insurance company
  • Independent Adjuster – Works for a third-party company who performs insurance adjuster work and is contracted by an insurance company
  • Catastrophe (CAT) Adjuster – An independent adjuster who travels to an area that has been largely affected by an event (usually severe weather) and performs claims adjuster services en masse
  • Public Adjuster – Is an advocate for the insurance customer, not the insurance company (requires a different type of license)

This article will cover a standard insurance claims adjuster license (sometimes known as an independent adjuster license), not a public adjuster license.

How To Get Your Insurance Adjuster License In Indiana

Step 1

Step 1. Adjuster Pre-License Education

The first step in getting an Indiana Insurance Adjuster License is taking pre-license education courses. These are state required courses pertaining to claims adjusting, basic insurance information, state laws and mandates, and professional ethics. To fill the pre-license requirement, you must complete a certain amount of credit hours depending on the lines of authority (types of licenses) you wish to attain.

You must complete forty (40) hours of pre-license education for the Independent Adjuster Insurance line.

You will receive a certificate upon completion of the courses. Keep these certificates, as you will need them when taking your exams.

Most applicants choose to take these courses online, as it fits their schedule better, but there may also be in-person courses available. You should choose which format in which to take your courses based on your preferred method of learning. The goal isn’t just to get the courses out of the way, it’s to prepare you to pass your license exam on the first attempt.

Recommended Course

For adjuster pre-licensing and study materials, StateRequirement recommends:

Step 2

Step 2. Indiana Insurance Adjuster License Exam

The next step after completing your pre-licensing requirement is to take and pass the Indiana Insurance Adjuster License exam.

This is a proctored test, which means that you will be in a controlled environment with a person watching over you. For people who haven’t tested in a situation like this should be aware of this fact, and work on taming their nerves prior to sitting for the exam. When you arrive at the exam location you must have a photo ID any other documents that the testing facility has asked you to bring.

Indiana offers one line of authority for an adjuster: Independent Adjuster. This exam consists of one hundred fifty (150) questions and you will be given one hour (1:00) to complete it.

Each attempt of the exam costs $100 and will be paid when you make your reservation.

A total score of 70% or more is required to pass this test. To further explain the scoring of the exam, we will quote the AdjusterPro Indiana Pre Licensing and State Exam page

“Our Indiana Adjuster Pre-Licensing course fulfills the Indiana Department of Insurance’s requirements for adjuster pre-licensing and includes the state adjuster exam. AdjusterPro is the sole provider of the Indiana state adjuster exam.

At the end of the 40-hour course, you will be given a 150-question, multiple-choice exam. Unlimited practice tests are included in the course, and we recommend students consistently achieve 90% on the practice tests before taking the exam. You must correctly answer at least 70% of the questions on the exam to pass. Once you pass, you are ready to submit your adjuster application to the state. You do not need to take another test through a testing provider. Instructions for how to apply for your license will be provided at the end of your course. (Additional exam-only attempts are available for $100 per attempt.)

We think you’ll be pleasantly surprised at how much you’ll enjoy our course. It’s easy to navigate, covers a wide range of topics, offers quizzes after each module to test your knowledge in real-time, and even has a few corny jokes thrown in to keep you on your toes.”

Insurance license tests are intentionally difficult, but not impossible by any means. You should study to the point of comfortability with the information before you attempt the test. Failing the exam isn’t the end of the world, but keep in mind that you will need to pay the fee each time you attempt the test.

You may register to take your exams and find more information on the AdjusterPro Indiana Insurance page or by calling AdjusterPro at (214) 329-9030.

Step 3

Step 3. Indiana Insurance Adjuster License Application

Once you have completed your pre-licensing requirement and examination, the next step is applying for your license.

The fee for an application is $47.

Apply online with the Sircon – Indiana Insurance Adjuster License Application or with the NIPR – Indiana Insurance Adjuster License Application.

Step 4

Step 4. Application Review

Once you have submitted your application and have completed all the other requirements, your license application will be reviewed by the state. This process generally takes about two to three (2-3) business days. Depending on the results of your background check, the Department of Insurance may request more information or documentation.

After the review is complete, you will receive an email from PSI regarding the status of your license.


You’ve done the work, put in the time and effort, and now hold the key to your own success!  We’re proud of you. Take five (5) minutes and celebrate.

Indiana Department Of Insurance Contact Information

Mailing Address:

Indiana Department of Insurance
Attn: Agent Licensing
311 West Washington Street
Indianapolis, Indiana 46204

Phone: (317) 232-2414

Fax: (317) 234-5882

Email: [email protected]


Information on this page has been gathered by a multitude of sources and was most recently updated in November 2020.

Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. StateRequirement and its members and affiliates are not responsible for any losses, monetary or otherwise. StateRequirement is not affiliated with any state, government, or licensing body. For more information, please contact your state's authority on insurance.

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