How do I verify a public adjuster's license in Iowa?

You can verify a public adjuster's license through the Iowa Insurance Division (IID) at https://sbs.naic.org/solar-external-lookup/lookup?jurisdiction=IA

What are the licensing requirements for public adjusters in Iowa?

Public adjusters in Iowa must pass a licensing exam, obtain a $20,000 surety bond, and complete 24 credits per 2-year license term, including 2 hours of ethics..

Iowa Public Adjuster Regulations

Complete guide to public adjuster licensing, fees, and regulations in Iowa. Regulated by the Iowa Insurance Division (IID).

Verify a license with IA DOI

Fee Structure

15%maximum fee

Emergency/catastrophe cap: 10%

15% cap on non-catastrophic-disaster claim payments; 10% cap on payments arising from a catastrophic disaster (Iowa Code § 522C). Compensation can be hourly, flat-fee, or percentage but cannot exceed these limits.

Licensing Requirements

Licensing exam required

Surety bond required ($20,000)

E&O insurance required

Continuing Education

24 credits per 2-year license term, including 2 hours of ethics.

Contract Requirements

Written contract required containing the compensation method (hourly rate, flat fee, percentage of settlement, or other) and a detailed explanation of how the amount is calculated based on the services provided. Contract is governed by Iowa Admin. Code 191-55.14.

Cancellation period: Insureds have a written right to cancel under Iowa Code Chapter 555A (home solicitation sales). Public adjusters must give written notice of cancellation rights as part of the contract.

Solicitation Rules

Public adjusters must hold an active Iowa license before soliciting or contracting for services and may not engage in unfair or deceptive solicitation practices.

Governing Statutes

Iowa Code Chapter 522C (Licensing of Public Adjusters); Iowa Administrative Code 191-55 (rules); rescission and home-solicitation cancellation rights at Iowa Code Chapter 555A

Frequently Asked Questions

How much can a public adjuster charge in Iowa?: 15% cap on non-catastrophic-disaster claim payments; 10% cap on payments arising from a catastrophic disaster (Iowa Code § 522C). Compensation can be hourly, flat-fee, or percentage but cannot exceed these limits.
How do I verify a public adjuster's license in Iowa?: You can verify a public adjuster's license through the Iowa Insurance Division (IID) at https://sbs.naic.org/solar-external-lookup/lookup?jurisdiction=IA
What are the licensing requirements for public adjusters in Iowa?: Public adjusters in Iowa must pass a licensing exam, obtain a $20,000 surety bond, and complete 24 credits per 2-year license term, including 2 hours of ethics..

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