Public Adjusters in Oregon

A public adjuster is a licensed insurance professional who represents the policyholder in the preparation, presentation, and negotiation of first-party property insurance claims. They work solely for you — not for your insurance company — helping ensure all covered damages are identified and pursued.

Yes. Oregon law requires anyone acting as a public adjuster to hold a valid adjuster license issued by the Oregon Division of Financial Regulation. You cannot represent policyholders or negotiate claims for compensation without this license.

• You must be at least 18 years old with a valid residential/business address.
• Pass the Oregon Adjuster Exam (administered through PSI) — Oregon does not require pre-licensing education, but preparation is strongly recommended.
• Submit fingerprints for a background check with your application.
• Apply through the National Insurance Producer Registry (NIPR) and pay applicable fees for your resident or non-resident license.
• Complete required continuing education and renew your license every two years (24 hours, including ethics and Oregon law).

• Evaluate your insurance policy coverage.
• Inspect and document property damage.
• Prepare and submit your claim with detailed supporting documentation.
• Negotiate with your insurer to pursue a fair settlement.

Oregon does not impose a statutory statewide fee cap for public adjusters. Compensation terms are negotiable between you and the adjuster and should be clearly written into the contract before services begin.

• The scope of services the adjuster will provide.
• The fee or compensation arrangement.
• Cancellation and termination terms.
• The adjuster’s Oregon license information and contact details.

• Your property has significant or complex damage (e.g., severe storms, water loss).
• Your insurer’s initial settlement offer seems too low or incomplete.
• You want professional help with documentation, coverage interpretation, and negotiations.

Yes. Oregon issues non-resident adjuster licenses. Applicants typically must meet Oregon’s requirements, including proof of home-state licensure and other documentation.