Source: http://www.azinsurance.gov/producers/prod_desc_adjuster.html
Timestamp: 2013-05-25 02:37:15
Document Index: 186796508

Matched Legal Cases: ['§ 20', '§ 20', '§ 20', '§ 20', '§ 20', '§ 20', '§ 20', '§ 20', '§ 41', '§ 20', '§ 20', '§ 20', '§ 20', '§ 20', '§ 20', '§ 20', '§ 20', '§ 20', '§ 20']

< Adjuster
An adjuster is an individual or business that is paid to adjust, investigate or negotiate insurance claim settlements on behalf of an insurance company or insured. ARS § 20-321. A public adjuster is a person hired to adjust, investigate or negotiate insurance claim settlements on behalf of the insured. An independent adjuster is a person who is not a salaried employee of an insurance company that an insurance company utilizes to adjust, investigate or negotiate insurance claim settlements. A company adjuster is a salaried employee of an insurance company or managing general agent that adjusts, investigates and negotiates settlements of claims on the insurance company's behalf and whose compensation is not contingent upon the outcome of a claim determination. A person does not need to be licensed as an adjuster to act as a company adjuster. ARS § 20-321(1)(b)(ii). When performing the services described in ARS § 20-321(1)(a) as salaried employees of an insurers or managing general agents, company adjusters may be referred to and hold themselves out as adjusters. WHO MUST BE LICENSED
You are a licensed attorney qualified to practice law in Arizona;
You are a salaried employee of an insurer or managing general agent whose compensation is not contingent on the outcome of a claim determination;
You are an Arizona-licensed insurance producer and you only perform adjuster activities for losses under policies you sold;
You are an independent contractor retained by an adjuster to provide technical assistance in connection with a claim, such as photography, estimation, engineering, private detection, handwriting evaluation, etc.
Both of the following two conditions apply:
(1) You are licensed or otherwise permitted to act as an adjuster in your domicile state, AND (2) An insurer sends you to Arizona to investigate or adjust a particular loss under an insurance policy or a series of losses resulting from a catastrophe common to all those losses. ARS § 20-321.01(D). For additional information concerning this exception to licensing, click here.
Individuals who act as adjusters or hold themselves out to be adjusters must be individually licensed, even if they work for a business-entity adjuster.
APPLICATION REQUIREMENTS (not an exhaustive list)
Not everyone qualifies for an insurance license. The Department can deny a license for any cause listed in Arizona Revised Statutes ("ARS") § 20-295. You should review this statute before deciding to spend the time, effort and money to apply for a license. If you apply for a license, you must truthfully and completely answer questions asked on the application, and you may need to provide additional documentation. GENERAL REQUIREMENTS
Common to All Applicants
Be the minimum age Individuals must be at least 18 years old. ARS § 20-321.01(C)(1)
Pass an exam (individual applicant) Fees (nonrefundable per ARS § 20-167(A)) License fee (see "Fees" on the PRODUCERS page). ARS § 20-167(A)(10)(a)
Fingerprint card processing fee (see "Fees" on the PRODUCERS page) for each fingerprint card accompanying your application. ARS § 41-1750(L)
For Residents of Other States (Arizona Non-residents)
For Relocating to Arizona from Outside Arizona
Pass an exam (individual applicant)
Individuals who reside in Arizona must pass an exam. ARS § 20-321.01(C)(3)
An individual who resides in a state that does not issue adjuster licenses must pass an exam. ARS § 20-321.01(C)(3)
You do not need to pass an examination if the state where you reside issues adjuster licenses and you are licensed in good standing in that state. ARS §§ 20-321.02, 20-287 and 20-288.
An individual who moves from a state that does not issue adjuster licenses must pass an exam. ARS § 20-321.01(C)(3)
If moving from a state that issues adjuster licenses, you do not need to pass an examination if we receive your license application within 90 days after you cancel your insurance license in your former home state and you submit a clearance letter from that state.
Submit fingerprints for individuals and business-entity members, officers, directors and owners. ARS § 20-142(E)
Submit fingerprints only if you are not licensed as an adjuster in your home state. ARS § 20-142(E)
License eligibility If you are an individual, submit Form L-152 with your license application.
Submit Form L-152 if you are not licensed as an adjuster in your home state.
If you are an individual, submit Form L-152 with your license application.
Apply for the license Individual
Form L-169
ARS § 20-321.01(B)
Business entity Form L-176
Form L-176
View your license
ADJUSTING CLAIMS DURING A CATASTROPHE
Arizona Revised Statutes (ARS) § 20-321.01(E) allows an insurance company to send to Arizona a person who is licensed or permitted to act as an adjuster in the adjuster’s home state to investigate or adjust a particular loss under an insurance policy or a series of losses resulting from a catastrophe common to all those losses. The following answers a few frequently asked questions regarding this law.
What type of adjuster is allowed to handle catastrophe claims? Only a company adjuster (an employee of an insurer) or an independent adjuster (an independent contractor utilized by an insurer) may adjust catastrophe claims without an Arizona insurance adjuster license. A public adjuster (acting on behalf of an insured) cannot. How do I apply for an "emergency adjuster" license? Arizona does not issue emergency adjuster licenses. Furthermore, neither the insurer nor the adjuster needs to notify the ADOI when the insurer sends the adjuster to Arizona to adjust claims on the insurer’s behalf. What does the insurer need to do to send a person who is not licensed by Arizona as an insurance adjuster to investigate or adjust catastrophe loss claims in Arizona? The insurer (not the Department of Insurance) needs to determine that a condition specified in ARS § 20-321.01 is satisfied and needs to send to Arizona a person who meets the qualifications in ARS § 20-321.01(E). The insurer may want to consult its legal counsel to help make this determination.
For their own protection, insurers should use qualified salaried employees or Arizona-licensed insurance adjusters to the extent possible before involving persons who do not hold an Arizona insurance adjuster license. Close Window Privacy PolicyAccessibility PolicyContact Us | © Copyright AZ.gov