How To Get An Indiana Designated Home State Insurance Adjuster License

Written by: Kevelyn Rodriguez

    If your state doesn’t offer a resident insurance adjuster license, chances are that you will need to get your first license in another state. This is accomplished with a designated home state license.

    In this article we will cover:

    • What a designated home state (DHS) license is
    • Why you may need to designated home state license
    • How to get your designated home state license


    Indiana is one of three states that offers a designated home state insurance adjuster license. We recommend people choose Texas to designate as their home state for their easy online system and friendly service if you ever need to reach the licensing department.

    What Is A Designated Home State (DHS) Adjuster License?

    A designated home state (DHS) license is an insurance adjuster license offered specifically to allow people to become a licensed adjuster in states that don’t provide their own licensing.

    Example: The state of Illinois does not offer or require any licensing to conduct insurance adjusting practices, so if people need to get their license for one reason or another, they would go to a state that offers a designated home state license, like Texas.

    Essentially, this allows the applicant to act as though Texas is their “home state” (thus the name!) in licensing terms.

    So does this mean that a person in ANY state can get a designated home state license?

    Technically, yes. A person from any state can designate Texas as their home state. But, if you live in a state that requires its own adjuster license, then you should absolutely get that license first. This will allow you to conduct business in your own state without getting spending unnecessary time with licensing.

    Remember: Insurance licenses do not cross state lines.


    Why Do I Need A Designated Home State (DHS) Adjuster License?

    If you live in a state that doesn’t require a license, it may seem like a waste to get an adjuster license. While you may be able to go without for a while, there will come a time when the benefits will outweigh the effort.

    There are two main reasons why a person would need a designated home state license: non-resident licensing and career marketability.


    Non-Resident Licensing

    Insurance adjusting is a unique business, as there are times when opportunities arise in other areas of the country and you must travel outside of your state to take advantage of these events. Especially for Catastrophe (CAT) adjusters.

    This means that you will in most cases need to obtain a license in whatever state the situation is in. As mentioned earlier, insurance licenses only work in one state.

    To get a license in a state that is not your home state, you will apply for a non-resident license in that state.

    These states do, however, require that you have a license in your home state before you are able to attain their license, and since some states don’t offer an adjuster license, this is where designated home state licenses come in.

    If you have a designated home state license then you will be able to apply for a non-resident license using Texas as your home state.

    Problem solved! Some states will even waive the licensing exam to licensed applicants when applying for a non-resident license; all you will need to do is submit the application and pay the fee.


    Career Marketability

    While it is true that some states don’t require that you have a license to practice insurance adjusting, you may come to a situation where a potential employer prefers a person carry a license.

    Think about this: if you apply for a position at an adjusting firm with no real-world experience, and someone else without any experience applies for the same position, except they have a license, who do you think that position going to?

    There are also situations when a company will eventually want you to be able to travel to impacted areas outside of your home state. Having a license will put you one step closer to being able to make that trip.


    How To Get An Indiana Designated Home State Insurance Adjuster License


    Step 1. Designated Home State Adjuster Pre-License Education

    The first step in getting an Indiana Designated Home State 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 Indiana Designated Home State Adjuster License.

    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: Kaplan Education Company


    Step 2. Indiana Designated Home State Insurance Adjuster License Exam

    The next step after completing your pre-licensing requirement is to take and pass the Indiana Designated Home State 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.

    The Indiana Designated Home State Insurance Adjuster license exam consists of one hundred fifty (150) questions, and you have 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. Indiana Designated Home State 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 Designated Home State Insurance Adjuster License Application or with the NIPR – Indiana Designated Home State Insurance Adjuster License Application.


    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



    Information on this page has been gathered by a multitude of sources and was most recently updated in February 2021.

    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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