Idaho Public Adjuster Regulations
Complete guide to public adjuster licensing, fees, and regulations in Idaho. Regulated by the Idaho Department of Insurance (DOI).
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No statutory fee cap
Idaho does not set a statutory percentage cap on public adjuster fees. Compensation must be reasonable and disclosed in writing in the adjusting contract before services begin.
Licensing Requirements
Continuing Education
24 hours per 2-year renewal cycle for resident licensees, including a minimum of 3 hours of ethics. Non-residents must maintain CE compliance in their resident state.
Contract Requirements
Written contract required between the public adjuster and the insured. Public adjusters must also maintain an escrow/trust account for funds collected on behalf of insureds and retain claim records as required by statute.
Solicitation Rules
Public adjusters must hold an active Idaho license before soliciting or contracting for services and may not engage in unfair or deceptive solicitation practices.
Governing Statutes
Idaho Code Title 41, Chapter 58 (§§ 41-5802 through 41-5819); administrative rules at IDAPA 18.06.04
Frequently Asked Questions
- How much can a public adjuster charge in Idaho?
- Idaho does not set a statutory percentage cap on public adjuster fees. Compensation must be reasonable and disclosed in writing in the adjusting contract before services begin.
- How do I verify a public adjuster's license in Idaho?
- You can verify a public adjuster's license through the Idaho Department of Insurance (DOI) at https://sbs.naic.org/solar-external-lookup/lookup?jurisdiction=ID
- What are the licensing requirements for public adjusters in Idaho?
- Public adjusters in Idaho must pass a licensing exam, obtain a $20,000 surety bond, and complete 24 hours per 2-year renewal cycle for resident licensees, including a minimum of 3 hours of ethics. Non-residents must maintain CE compliance in their resident state..
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