How To Become An Insurance Adjuster In Utah

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

What Kind Of Insurance Adjuster Will You Be?

There 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 Utah

Step 1

Step 1. Adjuster Pre-Exam Education

Preparation for this exam is not something to take lightly, as the average pass rate of insurance exams nationwide is around 55% for first-time test-takers, and even less for any following attempts. We want you to pass your test the first time you take it.

Studying for this exam can take many different forms. The most common way to get prepared is to take an online study course. These courses are generally comprised of video and text with short knowledge quizzes to make sure you have a comprehensive understanding.

A slightly more minimal approach would be to purchase a state-specific study guide. These guides give you all of the facts that you need to pass the exam and maybe a bit less expensive than a course. They are, however, quite long and densely packed books, so be sure you are ready to tackle this task.

You should choose the method that fits best for you. Some people learn best out of a book, while others take in information better through video and short text. Remember, the goal is to pass your exam on the first attempt, so pick your best path forward and study hard.

Recommended Course

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

Step 2

Step 2. Utah Insurance Adjuster License Exam

The next step after completing all your coursework is to take and pass the Utah Insurance Adjuster License exams. Depending on the lines of authority you wish to carry, you may need to take more than one 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.

Utah offers the Property and Casualty Adjuster line, Accident/Health Adjuster line, Crop Adjuster line and Workers’ Compensation Adjuster line.

  • The Property and Casualty Adjuster license exam consists of one hundred (100) questions, and you have two hours and thirty minutes (2:30) to complete it.
  • The Accident/Health Adjuster license exam consists of one hundred (100) questions, and you have two hours (2:00) to complete it.
  • The Crop Adjuster license exam consists of fifty (50) questions, and you have one hour (1:00) to complete it.
  • The Workers’ Compensation Adjuster license exam consists of fifty (50) questions, and you have one hour (1:00) to complete it.

An outline of included subjects for these exams can be found here:

Each attempt of the exam costs $32 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 Prometric Utah Insurance Department Licensing Information Bulletin

“Exam Results

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

The report also displays the correct percentage in each major section of the exam, as defined by the exam content outline.

These section scores are shown to guide you, or your employer and/or trainer, 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.

Prometric electronically notifies the Department of Insurance of exam results within 48 hours of passing the exam. Note that exam scores are confidential and will be revealed only to you and the Department.”

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.


StateRequirement recommends that you study for one exam at a time, then after passing, starting on your next line. The exams are difficult enough on their own without confusing information from one line to another.

You may register to take your exams and find more information on the Prometric Utah Insurance page or by calling Prometric at (888) 226-8740.

Step 3

Step 3. Utah Insurance Adjuster License Application

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

The fee for an online application is $75.

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

Step 4

Step 4. Fingerprinting and Background Check

The State of Utah requires that all insurance license applications provide fingerprints prior to licensing. Giving your fingerprints will initiate a background check. If you have any prior misdemeanors or felonies, this may affect the outcome of your licensing efforts. If you have specific questions regarding things that may come up on your background check you may call the Utah Insurance Department at (801) 538-3855 or send them an email.

You will process your fingerprints through Prometric.

You may not do your fingerprints before applying, so plan to take care of all of these procedures at the Prometric Exams location.

The fee for fingerprinting services is $34.25.

Step 5

Step 5. 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 five to ten (5-10) 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 the state regarding the status of your license. You may also check the status of your application in Utah Insurance Department Insurance License Search.


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.

Utah Department Of Insurance Contact Information

Mailing Address:

Utah Insurance Department
State Office Building Suite 3110
Capitol Hill Complex
450 North State Street
Salt Lake City, Utah 84114

Phone: (801) 538-3855

Fax: (801) 538-3830

Email: [email protected]


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

When readers purchase services discussed on our site, we often earn affiliate commissions that support our work. Learn More