What This License Is
The Louisiana Claims Adjuster license authorizes you to investigate, evaluate, and settle claims in Louisiana on behalf of insurers — whether you work independently for multiple carriers or as a company adjuster. It's issued by the Louisiana Department of Insurance (LDI) under the claims adjuster provisions of the Louisiana Insurance Code (La. R.S. 22:1661 et seq.).
Most candidates take the broad Series 204 Property & Casualty exam, but Louisiana also offers narrower adjuster lines — automobile, personal lines, commercial lines, crop, and workers' compensation — each with its own PSI exam. Public adjusters, who represent policyholders for a fee, hold a separate license (Series 301 exam).
There is no pre-licensing education requirement: pass the PSI exam for your line, then apply through NIPR.
Eligibility Requirements
You must be at least 18 years old and competent and trustworthy; answer all background questions honestly — fraud and dishonesty findings are the classic grounds for denial.
Louisiana's fingerprinting rule trips up more candidates than the exam: submit your NIPR application first, then complete fingerprinting through IdentoGO/Idemia. LDI will not accept fingerprints submitted before the application exists — early prints are simply rejected. Results typically clear in 7–10 days.
Nonresidents licensed in a state that required an exam qualify by reciprocity, and adjusters from non-licensing states can use Louisiana's designated home state application.
The Series 204 Exam
PSI administers Louisiana's adjuster exams. The flagship Series 204 Property & Casualty Claims Adjuster exam runs 150 questions in 160 minutes for $36 per attempt — one of the longest adjuster exams in the country, and also one of the cheapest.
Nearly a quarter of the exam (23%) is Louisiana insurance regulation, with the adjustment process itself at 17% — the rest spreads across homeowners, dwelling, commercial property, CGL, and auto policy concepts. Study the state material as hard as the coverage forms.
Retakes are unlimited within a one-year period (though not same-day), at $36 each.
Passing Score
You need 70% correct to pass the Series 204 exam, with results delivered at the test center. That's 105 of 150 questions — aim for a consistent 80% on practice exams before scheduling.
Keeping Your License Active
Important CE details: Includes at least 3 hours of ethics; no credit for a course repeated within any 24-month window. Renewals on or after July 31, 2027 add 2 hours of legislative updates.
The Louisiana claims adjuster license renews every 2 years on the last day of your birth month (even-numbered licenses renew in even years, odd-numbered in odd years), with a $75 renewal fee through NIPR. Each cycle requires 24 hours of CE, including at least 3 hours of ethics — and Louisiana gives no credit for a course repeated within any 24-month window, so vary your providers.
Two Louisiana-specific wrinkles: renewals on or after July 31, 2027 must include 2 hours of legislative updates (a 2025 law responding to the state's fast-moving insurance reforms), and every issuance and renewal includes acknowledging the claims adjuster standards of conduct adopted by Act 402 of 2021.
Quick Reference
Official Links
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