Public Adjusters in New Hampshire

A public adjuster is a licensed professional who represents the insured (homeowner or business owner) in preparing, documenting, presenting, and negotiating a property insurance claim. They work on your behalf instead of the insurance company’s adjuster, helping you pursue a full and fair settlement. Industry groups like NAPIA explain that this advocacy is their core role.

Yes. Public adjusters must be licensed by the New Hampshire Insurance Department under RSA 402-D and may not adjust or settle claims for compensation unless licensed. Acting without a license violates state law and can lead to penalties.

• Reviews your insurance policy to understand coverage and exclusions
• Inspects and documents property damage
• Prepares and submits your claim supporting documentation
• Negotiates with the insurer to secure fair compensation

• You must be at least 18 years old and of good character.
• Residents must pass the state licensing exam for adjusters (administered through PSI/Prometric).
• Non-residents can qualify if already licensed in their home state or have verifiable adjusting experience.
• You must submit an application to the NH Insurance Department and pay applicable fees.
• A $20,000 surety bond is required to protect insureds against misconduct.

• 15 continuing education hours every two years (including at least 3 hours of ethics).

• The services the adjuster will provide
• The fee or compensation arrangement
• Terms of cancellation or revocation

New Hampshire does not impose a statutory fee cap on public adjuster compensation. However, the fee must be clearly disclosed in the contract and agreed upon before work begins. This transparency requirement helps ensure policyholders understand compensation terms.

• When you’ve experienced significant or complex property damage
• If the insurer’s initial settlement seems low
• If you want an expert to handle documentation and negotiations

Yes. New Hampshire grants non-resident adjuster licenses if applicants hold a home-state license or meet experience requirements. Non-residents may apply online through NIPR.