Unraveling The Path To Becoming An Insurance Adjuster In Louisiana

Want to become an insurance adjuster in Louisiana? Here's everything you need to know to get started on this exciting career path.

First, make sure you meet the basic requirements. You need to be at least 18 years old and a resident of Louisiana or have a principal place of business in the state. Then, it's time to prepare for the Louisiana Adjuster License State Exam. While pre-licensing courses aren't required, they are highly recommended to increase your chances of passing.

Next, you'll need to register for and pass the state exam. This exam is administered by PSI Testing Centers and consists of 150 questions, with a passing score of 70%. Once you've passed the exam, you'll need to submit your fingerprints for a background check and complete the Louisiana Insurance Adjuster License application, along with the applicable fees.

After your application has been reviewed and approved, you'll be a licensed insurance adjuster in Louisiana! But remember, to maintain your license, you'll need to complete 24 hours of continuing education every two years, with 3 of those hours dedicated to Ethics.

So, if you're ready to dive into the world of insurance adjusting, follow these steps, and you'll be on your way to a successful career.

Be 18+ and reside/work in Louisiana

To become an insurance adjuster in Louisiana, you must be at least 18 years old and reside in or maintain a principal place of business in the state. This is a basic requirement that must be met before you can take steps to obtain your Louisiana adjuster license.

Louisiana has specific licensing requirements for insurance adjusters, and it is important to ensure that you meet these requirements before initiating the licensing process. Aside from the age and residency criteria, you must also establish competence and trustworthiness, which are essential qualities for anyone handling insurance claims.

While pre-licensing education is not mandatory in Louisiana, it is highly recommended that you consider enrolling in a reputable pre-exam course to enhance your chances of passing the state exam on your first attempt. AdjusterPro, for instance, offers an online study package with a 98% satisfaction rate and has helped over 50,000 people train for their insurance adjuster license.

Once you have met the basic requirements and completed any desired preparatory courses, you can proceed to register for and take the Louisiana Adjuster State Exam. This exam is administered by PSI Testing Centers and consists of 150 questions, with a passing score of at least 70%. The exam fee is $15, and you will have 2 hours and 40 minutes to complete it.

After successfully passing the exam, the next step is to initiate the background check process by submitting your fingerprints. This step is crucial, as any prior misdemeanors or felonies may impact your licensing efforts. The fingerprint processing typically takes around 10 days.

With your exam passed and background check initiated, you can now submit your application for the Louisiana Adjuster License. The application fee is $75, and it should be submitted online through the National Insurance Producer Registry (NIPR).

The final step in the process is to wait for the application review, which generally takes about 7 to 10 days. During this period, the Department of Insurance may request additional information or documentation based on the results of your background check. Once the review is complete, you will receive an email from the state regarding the status of your license.

Prepare for and pass the state exam

Although Louisiana does not require a pre-licensing course, it is highly recommended that you take a prep course to help you pass the state exam. The state exam is administered by PSI Testing Centers.

AE21 offers study programs for Louisiana's "Property and Casualty Adjuster" license and the "Automobile Adjuster" license. Most prospective adjusters choose to get their "Property and Casualty Adjuster" license because this license allows them to adjust any type of property and casualty claim. The "Automobile Adjuster" license and other limited-lines licenses will only allow you to adjust that specific type of claim.

The "Property and Casualty Adjuster" exam consists of 150 questions with a 2-hour and 40-minute time limit, and you must score at least 70% to pass. If you do not pass, you will need to retake the exam and pay the fees again.

AE21's prep course includes practice exams that can be taken multiple times with a new random shuffle of questions until you are consistently achieving a high score. AdjusterPro also offers a Louisiana Adjuster Exam Prep Course that includes practice tests and quizzes.

The exam costs $15 per attempt and can be paid when you make your reservation.

Submit fingerprints for a background check

The State of Louisiana requires all insurance license applicants to provide fingerprints before licensing. This initiates a background check, which may be affected by prior misdemeanors or felonies. If you have specific questions about your background check, you can call the Louisiana Department of Insurance at (225) 342-0860 or send them an email.

You must process your fingerprints through PSI. You can make an appointment on their website or by phone at (800) 733-9267. The fee for fingerprinting services is $39.25.

It's a good idea to get fingerprinted within a few days of passing your exam, as the processing time ranges from 7 to 10 days. Use the vendor IdentoGO to process and submit fingerprints according to Louisiana Department of Insurance (LDI) Fingerprints Requirements.

Apply for a license via the Louisiana Insurance Adjuster License Application

Once you have passed the exam and have been fingerprinted, you can submit an application for your adjuster license.

The application fee is $75. Apply online with the Louisiana Insurance Adjuster License Application.

After you have submitted your application and completed all the other requirements, your license application will be reviewed by the state. This process generally takes about seven to ten days. Depending on the results of your background check, the Department of Insurance may request more information or documentation.

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

Additional Licensing Details

See additional licensing details, including nonresident information on the LDI website.

Louisiana Adjuster Licensing Fees

AdjusterPro Course Fee: $179

Fingerprinting Fee: $60.75

License Renewal Fee: $50

Complete 24 hours of Continuing Education every 2 years

Once you have your insurance adjuster license in Louisiana, you'll need to complete 24 hours of continuing education (CE) every two years to keep your license active. Three of these hours must be dedicated to Ethics continuing education.

You can take your CE courses online, and they are generally self-paced. You can also find in-person courses if you prefer. It's a good idea to finish your CE courses at least a week before your license expiration date to allow time for your hours to be reported to the Louisiana Department of Insurance.

Most CE providers will automatically report your hours to the state using your license and NPN numbers. If you take an in-person course or an online class from a lesser-known company, be sure to ask if they report your hours.

You cannot receive credit for any course more than once within any two-year period. In other words, you cannot take the same CE course again within 24 months of completing it. Excess CE credits cannot be applied to the next compliance cycle.

Louisiana adjuster licenses renew on the last day of the licensee's birth month. Even-numbered licenses renew in even years, and odd-numbered licenses renew in odd years. You can renew your license online through the National Insurance Producer Registry (NIPR) website.

Frequently asked questions