New Hampshire Insurance Adjuster License

Written by: Kevelyn Rodriguez

Last updated:

The process to obtain your New Hampshire adjuster license can be broken down into three simple steps:

  1. Complete your adjuster pre-exam education 
  2. Pass one of the New Hampshire insurance adjuster exam lines
  3. Submit an application to the New Hampshire Insurance Department

In this article, we offer everything you need to know in order to get started, helping you find the best way of getting your New Hampshire insurance adjuster license.

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How to Become an Insurance Adjuster in New Hampshire

Getting your New Hampshire adjuster license can be a simple and easy process, but this will ultimately depend on how you go about completing the required steps.

Step 1. Adjuster Pre-Exam Education

Preparing for your exam is not something to take lightly. This is because the average pass rate of insurance exams nationwide is around 55% for first-time test-takers and even less for any following attempts.

This means that it is generally recommended that you complete some form of education — such as purchasing a study guide or a state-approved online course — before sitting your exam(s).

These courses are composed of video, audio, and text, and include short knowledge quizzes and practice exams which will help you obtain the necessary understanding of the material that you will need to know.

Even though this is not a legal prerequisite in New Hampshire, we believe that purchasing a pre-exam course can go a long way in ensuring that you pass your exam(s) on your first attempt.

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Step 2. New Hampshire Insurance Adjuster License Exam

Once you have completed all of your coursework, you will be able to take (and hopefully pass) the New Hampshire 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. It is, therefore, a good idea to work on both your timing and nerves prior to sitting for your exam.

New Hampshire offers two main lines for you to choose from:

  • The Adjuster’s Property and Casualty Insurance — This consists of one hundred fifty (150) questions, and you have two and a half hours (2:30:00) to complete it
  • The Adjuster’s Workers Compensation Insurance — This consists of sixty (60) questions, and you have one hour (1:00:00) to complete it

A fee must be paid for each attempt at either of these exams, which is payable when you make your reservation.

  • The Adjuster’s Property and Casualty exam: $65
  • The Workers’ Compensation Insurance exam: $50

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 Prometric New Hampshire Insurance Department Licensing Information Bulletin:

At the end of your exam, your score will be shown on the screen and you will receive a printed score report. The report indicates your overall score and grade, including the numerical percentage of questions answered correctly and whether you passed or failed.

The report also displays your correct percentage in each major section of the exam, as defined by the exam content outline. These section scores are shown to guide you about areas requiring additional preparation for retesting if you do not pass the exam. Even after you pass, you may want to focus on these areas as you begin to provide insurance products and services to the public.

Note that the section percentages will not average out to your total percentage score. That is because individual exam outline sections are allocated different numbers of questions on the exam. Your total percentage score is computed by dividing the number of questions you answered correctly by the total number of questions in the exam. The total score is not computed by adding the section percentages and dividing by the total number of sections.

Prometric electronically notifies the Department of exam results within two business days of the exam date. Exam scores are confidential and will be revealed only to you and the Department.

StateRequirement recommends that you study for one exam at a time. This is because insurance adjuster exams are difficult enough on their own without the possibility of confusing information from one line to another. This will allow you to work incrementally towards completing your final exam.

You can register to take your exams — as well as find out more information — on the Prometric New Hampshire Insurance website or by calling Prometric (800) 869-6603.

Note: Before registering for your exam, we recommend completing some form of pre-exam education. Even though this is not a legal requirement in New Hampshire, it can go a long way in ensuring that you pass your exam(s) on your first attempt.

Step 3. New Hampshire Insurance Adjuster License Application

Once you have completed all your coursework and passed the examinations, you are now ready to apply for your license.

Note: The fee for an online application is $75.

You can apply online with the New Hampshire 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 twenty-four (24) hours. Depending on the results of your background check, the New Hampshire Insurance Department may request more information or documentation.

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

Congratulations!

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 minutes and celebrate.

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 minutes and celebrate.

What Kind of Insurance Adjuster Will You Be?

There are four main types of insurance adjustersstaff adjusters, independent adjusters, catastrophe adjusters, and public adjusters.

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 insurance 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 one insurance company in order to investigate, evaluate, and potentially settle claims
  • Independent Adjuster – Works for a third-party company, often called an Independent Adjusting Firm, which has been contracted by insurance carriers to help settle their claims
  • Catastrophe (CAT) Adjuster – Can be an independent or staff adjuster who travels to an area that has been largely affected by an event (usually severe weather) and performs adjustment services to insurance claims en masse
  • Inside Adjuster – Inside adjusters, sometimes referred to as “desk” or “remote” adjusters, handle claims from an office. They are the policyholder’s main contact and the person who applies the policy terms and standards to the claim
  • Public Adjuster – Independent insurance adjusters that customers choose to hire in order to settle insurance claims. Public adjusters are not hired by insurance companies

Note: To become a public adjuster, you must obtain a standard adjuster license, get an appointment from a public adjusting firm, gain work experience, and eventually pass an additional exam.

New Hampshire Insurance Department Contact Information

Mailing Address:

New Hampshire Insurance Department
21 South Fruit Street, Suite 14
Concord, New Hampshire 03301

Phone: (603) 271-2261

Fax: (603) 271-1406

Email: requests@ins.nh.gov

Website: https://www.nh.gov/insurance

New Hampshire Insurance Adjuster License FAQ

Does New Hampshire require an adjuster license?

Yes, obtaining an adjuster license is a legal requirement to be able to work as a licensed insurance claims adjuster in New Hampshire. If you are worried about the licensing exam that you must pass in order to obtain your New Hampshire license, be sure to read our article on How to Pass the Insurance Adjuster Exam.

What states are reciprocal with New Hampshire?

New Hampshire offers reciprocal licensing privileges to 30 other states, such as Delaware, Florida, and Texas, which means you can apply for any of these licenses without any additional exams. To have a look at the full list of licenses you are eligible for, make sure to check out our article on Adjuster License Reciprocity.

How much does an insurance adjuster license cost in New Hampshire?

Obtaining an insurance adjuster license in New Hampshire should cost you around $320. With this, you can pay for your pre-exam education, the exam fee, and the application filing fee. Since the pre-exam course that you choose can influence the price greatly, it’s vital to pick one that fits your needs. See why we chose AdjusterPro in our AdjusterPro Course Review.

How long is a New Hampshire adjuster license good for?

Your New Hampshire adjuster license will expire every two years on the last day of your birth month. These cycles occur in odd-numbered years if your birth year is odd, or even-numbered years if it is even. For more information, our How to Renew Your New Hampshire Insurance Adjuster License article provides a more thorough look into the renewal process in New Hampshire.

How do I renew my New Hampshire adjuster license?

Each time insurance claims adjusters renew their license in New Hampshire, they are required to complete 24 hours of insurance continuing education, with three (3) of these hours dedicated toward ethics. This requirement applies to resident license holders and those using New Hampshire as their adjuster designated home state. Our article on New Hampshire Insurance Continuing Education can walk you through these requirements in greater depth.

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