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

You can verify a public adjuster's license through the Washington Office of the Insurance Commissioner (OIC) at https://sbs.naic.org/solar-external-lookup/lookup?jurisdiction=WA

What are the licensing requirements for public adjusters in Washington?

Public adjusters in Washington must pass a licensing exam, obtain a $5,000 surety bond, and complete 24 hours per 2-year renewal cycle, including 3 hours of ethics..

Washington Public Adjuster Regulations

Complete guide to public adjuster licensing, fees, and regulations in Washington. Regulated by the Washington Office of the Insurance Commissioner (OIC).

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Fee Structure

No statutory fee cap

Washington 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

Licensing exam required

Surety bond required ($5,000)

E&O insurance required

Continuing Education

24 hours per 2-year renewal cycle, including 3 hours of ethics.

Contract Requirements

Written contract required, with the public adjuster's compensation and the services to be performed disclosed before any work begins. Public adjusters must complete fingerprinting and a state and national criminal-history background check as part of licensing.

Solicitation Rules

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

Governing Statutes

Revised Code of Washington (RCW) Chapter 48.17 (Insurance Producers, Title Insurance Agents, and Adjusters); adjuster qualifications at RCW 48.17.380; public adjuster bond at RCW 48.17.430; administrative rules in WAC Chapter 284-17

Frequently Asked Questions

How much can a public adjuster charge in Washington?: Washington 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 Washington?: You can verify a public adjuster's license through the Washington Office of the Insurance Commissioner (OIC) at https://sbs.naic.org/solar-external-lookup/lookup?jurisdiction=WA
What are the licensing requirements for public adjusters in Washington?: Public adjusters in Washington must pass a licensing exam, obtain a $5,000 surety bond, and complete 24 hours per 2-year renewal cycle, including 3 hours of ethics..

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