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Nevada Public Adjuster Requirements and Regulations Legal insurance blog for property insurance



Public adjusters serve as a critical ally to policyholders throughout the claim adjustment process. In Nevada, public adjusters are governed by the provisions of Chapter 684A of the Nevada Revised Statutes (NRS) and Chapter 684A of the Nevada Administrative Code (NAC). 1 The Nevada Division of Insurance describes what is required of public adjusters in Silver State.

In Nevada, individuals and business entities may obtain a public adjustment license, but a licensee may only hold one type of adjustment license within the state. Aliens in Nevada whose states do not issue this type of license may designate another state as their home state and meet state requirements.

One must obtain a public adjustment license in Nevada if the individual only represents the policyholder's financial interests and examines, does not negotiate or resolve labor requirements.

To qualify as a public adjuster in the state of Nevada, an individual must meet the following requirements:

  • Be at least 1
    8 years of age and reside in Nevada.
  • Be competent, reliable, financially responsible and with a good reputation.
  • Has never been convicted of counterfeiting, embezzlement, obtaining money under false pretenses, assault, extortion or conspiracy to commit fraud. act that could result in the denial of a license under Nevada law.
  • Complete the required pre-licensing training.
  • Approve degree for license and requested authority.
  • Has taken and sent fingerprints as part of a criminal background check.
  • Not licensed in Nevada as a manufacturer with property, accident, safety, or surplus brokerage license lines. [19659013] Aliens in Nevada must have a good reputation with their home state and meet all the requirements as if they were residents. In addition to the above requirements, a Nevada public adjuster must complete 24 hours of continuing education per licensing period, three of which must include ethics.

    Nevada public adjusters are required to keep records of transactions under their license including: [19659005] A copy of all records of investigations and adjustments for three years from the date the claim is closed, or as required by the insurer.

  • A copy of each contract between the adjuster and the insurer.
  • any fee, commission or other remuneration for any investigation or adjustment.

Finally, public adjusters in Nevada must adhere to the Adjuster Code of Ethics, which requires public adjusters:

  • Be honest and fair in all communication with the insured, insurers and the general public.
  • Provide policyholders with prompt, knowledgeable service and courteous, fair and objective treatment at all times.
  • Refrain from providing legal advice and do not deal directly with policyholders represented by legal counsel without first obtaining the consent of the legal counsel.
  • Comply with all local, state, and federal laws on privacy and information security, where applicable. identify their employer when dealing with a policyholder.
  • Refrain from having any financial interest in any adjustment or acquire any person of interest or title saving without first obtaining written authorization from the Vice-Chancellor.

For more information on Nevada public adjustment requirements, visit the Nevada Division of Insurance website.
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1 https://doi.nv.gov/Licensing/License_Types/Adjuster/Public_Adjuster/


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