Utah Adjuster Insurance Exam 2026

What This License Is

The Utah Independent Adjuster license lets you investigate, negotiate, and settle claims as a representative of insurers — the credential independent and contract adjusters need to work Utah claims. It is issued by the Utah Insurance Department (UID) under Title 31A, Chapter 26 of the Utah Insurance Code.

Utah issues the license by line of authority rather than as one all-lines credential. Independent adjusters license in Property & Casualty, Accident & Health or Sickness, and Workers' Compensation; a separate Crop exam also exists. Most claims professionals start with Property & Casualty and add lines later, since each line is its own Prometric exam and its own $32.

A parallel Public Adjuster license covers the other side of the table — representing insureds and claimants rather than insurers. Note the sharp line Utah draws at the third category: company adjusters are not licensed at all. Salaried employees of an insurer whose regular duties include adjusting are expressly exempt under §31A-26-201, along with attorneys acting in an attorney-client relationship, producers adjusting claims on policies they wrote, arbitrators and umpires, and specialists hired only to gather facts about a loss (appraisers, estimators, engineers, marine surveyors).

Eligibility Requirements

You must be at least 18 years old and meet the character requirements of §31A-26-205. Utah screens hard on honesty: applicants and licensees must report administrative actions taken in any other jurisdiction and any criminal prosecution, generally within 30 days of final disposition or the initial court appearance.

Fingerprinting is mandatory for resident applicants. Utah does it by live scan at a Prometric test center — the same four sites where you sit the exam — and the cost is $32 ($12 FBI / $20 BCI) plus a $6 Prometric processing fee. Nonresident adjusters follow the department's separate nonresident procedure and are generally not fingerprinted in Utah.

There is no pre-licensing education requirement. The Utah Insurance Department states plainly that it has no pre-licensing requirement for licensure and therefore does not publish study materials — preparation is entirely on you.

The Prometric Exam and the 90-Day Clock

Prometric administers every Utah insurance exam, including the adjuster series. The Independent Adjuster Property & Casualty exam (Series 17-11) is 100 questions with a 2-hour limit, and so is the Accident & Health exam (Series 17-12). Each attempt costs $32. You can test at a Prometric center in Lindon, Salt Lake City, St. George, or Taylorsville, or take it remotely through Prometric's ProProctor service.

The P&C adjuster content outline is claims-weighted, as you would expect: Adjusting Losses (24%) and Insurance Basics (23%) together carry nearly half the exam, with Insurance Regulation (8%), Homeowners (9%), Auto (9%), Commercial Package (8%), Workers' Compensation (8%), Businessowners (7%), and Dwelling (4%) filling the rest.

Then the clock starts. Utah gives you 90 days from passing to submit your license application and fee — miss it and the exam must be retaken. That is a much shorter window than the year some states allow, so plan to apply the same week you pass. You also cannot go the other direction: Utah will not accept a license application before you have taken the required exam.

Apply online through NIPR or Sircon with the $75 application fee once your fingerprints are on file.

Passing Score

Utah's adjuster exams are widely reported to require 70% to pass (VERIFY) — the Prometric bulletin describes the score report without stating the cut score outright. Your result appears on screen at the end of the exam and you receive a printed score report showing your overall score, pass/fail status, and a breakdown by content-outline section.

Aim for a steady 80% on practice exams before you schedule. With Adjusting Losses at 24% of the P&C exam, loss-settlement mechanics — actual cash value versus replacement cost, depreciation, salvage and subrogation — deserve the largest share of your study time.

Utah as Your Designated Home State

If you live in a state that does not license adjusters at all, you have no resident license for other states to reciprocate against. The standard fix is a Designated Home State (DHS) license: you name a licensing state as your home state, meet its full standard, and other states then treat that license as if it were your resident license.

Utah issues a DHS adjuster license, and a large majority of states will reciprocate a Utah resident or Utah DHS adjuster license. A handful will not — Arizona, for example, does not accept DHS licenses and requires its own exam regardless — so check each target state before you assume coverage. (VERIFY)

Keeping Your License Active

The Utah adjuster license runs on a two-year cycle that ends on the last day of your birth month — even birth years renew in even years, odd in odd. Renewal is $75.

Continuing education is 24 credit hours per two-year licensing period, including 3 hours of ethics, under §31A-26-206. Two structural limits matter as much as the headline number: at least half the hours (12) must be classroom hours of insurance-related instruction, and no more than half the total may come from courses provided by insurers. Title insurance adjusters are the carve-out — they need only 12 hours, still including 3 of ethics.

Members of the Utah State Bar are exempt, as are certain licensees continuously licensed since before December 31, 1982 who applied for and received departmental approval. Nonresident adjusters who satisfy their home state's CE requirement are deemed compliant with Utah's. Keep your completion records for two years after the period ends.

Miss the deadline and you have 30 days to renew late for the $75 fee plus a $50 penalty; beyond that the license expires and there is a reinstatement window before you would have to requalify. (VERIFY)

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