Insurance Adjuster License in Louisiana

Verified July 2026 · 9 questions still open

Louisiana writes almost everything into statute rather than departmental policy, including its designated home state route at R.S. 22:1665(D) to (E) and a lapse cascade at R.S. 22:1670(D) that terminates your Louisiana license the moment your home state license terminates for any reason. The waiver that gets you in is conditional in a way that catches an identifiable population, because if your home state issues adjuster licenses without an examination Louisiana makes you sit its exam anyway, and it says so in the statute.

$75To get in

Not publishedEvery renewal

BiennialRenewal cycle

The $75 application fee is charged once regardless of how many authorities you request, so adding workers' compensation or crop alongside property and casualty costs only the extra $19 exam. Add $36 for series 204 if your exam waiver fails, $60.75 for IdentoGO if prints are owed, and a small unpublished NIPR transaction fee. R.S. 22:1675(B) then makes the Louisiana figure a floor rather than a price, because an adjuster licensed by a jurisdiction that charges more pays what that jurisdiction charges, with adjusters permanently employed by an authorized insurer carved out entirely.

Getting licensed in Louisiana

On your home license: Yes. R.S. 22:1670 issues a nonresident claims adjuster license to a person currently licensed and in good standing as a claims adjuster in the home state, provided that home state awards nonresident licenses to Louisiana residents on the same basis. Everything is filed electronically through NIPR, and supporting documentation goes into the NIPR Attachment Warehouse rather than by email to LDI. Paper applications exist as a fallback.
Exam: Waived only if you were examined. R.S. 22:1670(A)(1) waives it for a person currently licensed as a resident claims adjuster who has passed a claims adjuster examination, then adds that if the home state does not require examinations the individual shall sit the Louisiana exam. Required always, with nothing waiving it, for anyone designating Louisiana as a home state under R.S. 22:1665(D). The vendor is PSI and the fees are low, $36 for series 204 property and casualty and $19 each for automobile, personal lines, commercial lines, crop and workers' compensation. Scores stay valid one year.
Prelicensing: None for nonresidents, and none for residents either. PSI's bulletin states there are no prelicensing requirements for any examination except Public Adjuster and Bail Bond.
Fingerprints: Unresolved for an ordinary nonresident, and it is the one item that could add a plane ticket. R.S. 22:1670 lists four nonresident requirements and fingerprints are not among them, while LDI's fingerprint text is addressed to insurance license applicants generally and describes IdentoGO locations throughout Louisiana without addressing an out-of-state applicant. A designated home state applicant, who applies under the resident section 22:1665, is on stronger notice that prints apply. Where they are owed the vendor is IdentoGO/Idemia through Louisiana State Police at $60.75 for the combined state and federal livescan, valid 90 days. The sequencing runs backwards from most states, since you must submit the license application and the background check authorization form first and prints taken before both will not be accepted or reviewed.
Processing time: Not published. No LDI page reachable in this research states a service standard for a nonresident application filed through NIPR.
Designated home state: Yes, both directions, and the outbound route sits in statute rather than in policy. R.S. 22:1665(D) lets a nonresident who is not eligible for a license under R.S. 22:1670 designate Louisiana as his home state on condition of passing the adjuster examination and complying with the resident provisions, and subsection (E) extends the same route to Canadian residents while waiving only the physical office requirement, which almost no other state offers. Coming the other way, Louisiana accepts a designated home state license from elsewhere, and LDI says so in its own words on its catastrophe registrations page and again in an application category headed All Nonresident Individuals Including Nonresident Adjusters Using a Designated Home State. Cite the LDI pages rather than the statute for that, because R.S. 22:1670 conditions the nonresident license on a resident license and a designated license read strictly is not one.

What Louisiana costs you to keep

Continuing education: Depends how you qualified 24 hours biennially including ethics, with at least 2 hours dedicated to legislative updates in insurance law, under R.S. 22:1673(A) as amended by Acts 2025, No. 29. That legislative updates subset is new and carried by no secondary source, so a generic 24-hour package leaves you two hours short and you will not know it. The nonresident exemption at 22:1673(B)(2) is a two-part test, since you must have met your home state's requirement and your home state must give Louisiana residents credit on the same basis. A home state with no continuing education requirement fails the first half outright, which puts Arizona, Maine and South Carolina licensees on the hook for the full 24. Anyone designating Louisiana owes the full 24 as well, because their home state is Louisiana and there is no other state's requirement to have met, though that is an inference from the statutory wording rather than a published LDI statement. Your first Louisiana renewal after initial issuance carries no continuing education at all, resident or nonresident, which Alabama, Texas and Florida have no analogue for. Only commissioner-approved courses count. The 3 hour ethics figure people quote comes from Regulation 10, not from the statute, which sets no number.
If you fall short: No automatic per-hour fine of the Texas kind and no consent-order fine of the Florida kind. Louisiana ties the hours to renewal and reinstatement instead, so the lever is that the license does not come back until the transcript is clean. R.S. 22:1671(F) reinstates a lapsed license within 24 months only on proof of all continuing education through the date of reinstatement rather than as of the expiration date, so the hours keep accruing while you are lapsed and a licensee returning at month 23 owes more than one cycle. R.S. 22:1671(G) opens an unusually wide discretionary door for military service, long-term medical disability or other extenuating circumstance, and it reaches examination requirements, fines and sanctions.
Renewal clock: Not established for individuals. R.S. 22:1671(B)(2) requires a renewal application every two years. A Louisiana source puts property and casualty producer and public and claims adjuster agency licenses at April 30 of odd-numbered years, but whether the individual license runs on that fixed statewide date or on a birth month anniversary could not be confirmed, because every LDI renewals page returned 403 or a Cloudflare interstitial to automated fetch in this and the prior pass. It matters, since a fixed date is easier to manage across several states and worse if you are trying to stagger renewals.
The point of no return: Twenty-four months. Inside that window R.S. 22:1671(F) reinstates the same license on proof of all continuing education through the date of reinstatement plus all fees due. Past 24 months you fulfill the requirements for issuance of a new license, which for an ordinary nonresident means a fresh 22:1670 application and for a designated licensee means R.S. 22:1665(D) again. That section requires the examination, so a designated licensee who lapses past 24 months re-sits the exam. Whether the separate 24-month no-exam grace at 22:1669(B), written for former Louisiana resident licensees, reaches a designated licensee is not stated.
Lines of authority: Louisiana has no all-lines adjuster license, which is the structural fact fifty-state tables flatten into a single adjuster cell. R.S. 22:1671(A) offers property and casualty, workers' compensation, crop, and any limited line under R.S. 22:1666. PSI maps them to series 204 property and casualty at $36, series 206 workers' compensation and series 205 crop at $19 each, and the limited lines automobile 201, personal lines 202 and commercial lines 203 at $19 each. The trap is that a candidate shopping on price sits automobile or personal lines, saves $17, and walks away with a limited license that 22:1666 says shall not adjust claims other than those specifically licensed and that will not support an all-lines nonresident application in any destination state. Series 204 is what a working adjuster wants. Running outward, a destination state reciprocating against a Louisiana license is matching lines rather than a single all-lines authority, and neither Texas nor Florida says whether it treats series 204 as an all-lines equivalent.
Storm and catastrophe work: Your carrier files Louisiana states in plain words that it does not issue temporary, emergency or catastrophe licenses directly to individuals nor allow individual adjusters to file their own catastrophe registrations. Registration must be filed by the insurer or their designee, and the Catastrophic Adjuster Registration module in Industry Access is associated only with insurers, so it does not appear for an adjusting firm, a public adjusting firm or an adjuster. You cannot cure a carrier's omission. The fee is $25 a head, registrations are effective immediately upon submission with no departmental issuance step, and they run 180 days, extendable by the commissioner for a further 90. Two exclusions catch people, since anyone holding an active Louisiana adjuster or public adjuster license cannot be registered and neither can a Louisiana resident. The insurer needs your name, a Social Security number or National Producer Number, a business address, your state of residence and your licensing status elsewhere, so offer the NPN. Ask for the printed certificate, because it is your only proof of authority. A registration can be revoked without notice or hearing under R.S. 22:1667(B).

What to watch in Louisiana

The lapse cascade is hard law here, not a model guideline

R.S. 22:1670(D) makes maintaining a resident license in your home state a condition of continuation, and says the Louisiana license shall terminate and be surrendered immediately to the commissioner if the home state license terminates for any reason. Three duties fall out of it. Termination is automatic, surrender is affirmative rather than passive, and notice is owed to every state where you hold a nonresident license within 30 days. The only escape is a resident license in a new home state that passes the same-basis test.

Remote testing is gone and the workaround is unconfirmed

PSI withdrew remote testing for Louisiana candidates effective 2024-07-08, and every location the online scheduler shows sits inside Louisiana, so an out-of-state candidate reasonably concludes they must fly to Baton Rouge. One line at the bottom of the site list says PSI has examination centers in many other regions across the United States and that you may take the examination at any of them by calling (855) 579-4644. That single sentence, telephone booking only, is the whole basis for thinking you can sit this exam at home. Call and confirm before you buy a ticket, and do not treat it as settled.

The handbook certification is a personal 10-day duty

The insurer files the catastrophe registration, but R.S. 22:1667(A)(3) puts the certification on you. Within ten days of registration each registered adjuster must certify on the commissioner's form that they have read and understand the most recent edition of the catastrophe handbook, and the insurer holds the completed form for production to LDI. So Louisiana is a state where the adjuster can initiate nothing and still carries a statutory deadline, which is the worst combination for anyone assuming the carrier is handling it.

Silence on California, Hawaii and New York is not permission

R.S. 22:1670(A)(4) applies the same-basis reciprocity test, and Louisiana publishes no list of failing states. Alabama and Indiana apply the identical test and both publish that California, Hawaii and New York fail it, forcing those residents to sit a state exam. Rhode Island independently names the same three. Louisiana has said nothing either way, so residents of those states should ask LDI before filing rather than reading the silence as a yes.

What you actually do

Confirm your home state license is active and in good standing, then check whether your home state requires an adjuster examination at all, because R.S. 22:1670(A)(1) keys the waiver to the home state's examination requirement and not to the license you happen to hold.
Pick your lines before you file. Series 204 property and casualty is the working credential at $36, workers' compensation 206 and crop 205 are $19 each, and the $19 limited lines 201, 202 and 203 will not support an all-lines application anywhere else.
If you owe the exam, book with PSI and call (855) 579-4644 first to ask whether you can sit at a center in your own state, since the online scheduler shows Louisiana locations only. Scores stay valid one year.
File the nonresident claims adjuster application through NIPR and pay the $75 application fee, which covers every authority you request, plus the NIPR transaction fee. Upload supporting documents to the NIPR Attachment Warehouse rather than emailing LDI.
Submit the background check authorization form with the application, and only then book IdentoGO at $60.75 if prints are required of you. Anything collected before both filings will not be accepted or reviewed, and results are good for 90 days.
Read the Act 402 Claims Adjuster Standards of Conduct before you check the acknowledgment box, because the acknowledgment recurs at every renewal and the conduct is enforceable.
Keep the home state license alive, surrender the Louisiana license immediately if it terminates and notify every nonresident state within 30 days, and report any change of address, legal name or application information within 30 days as well, since the fine is $50 per violation.

Where this comes from

Keep going

The adjuster planner, which asks where you live and ranks your options.
How to choose a designated home state, including the four to avoid.
All three professions we cover, and what we have verified so far.

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