California Public Adjuster Regulations
Complete guide to public adjuster licensing, fees, and regulations in California. Regulated by the California Department of Insurance (CDI).
Verify a license with CA DOIFee Structure
No statutory fee cap
No statutory fee cap currently in effect. Fees must be reasonable and clearly disclosed in writing before services begin.
Licensing Requirements
Requires 4,000 hours (approx. 2 years) of experience as staff adjuster or via Apprentice Public Adjuster license before full licensure.
Continuing Education
24 hours per 2-year license term (including 3 hours ethics)
Contract Requirements
Written contract required with clear fee disclosure before services begin.
Solicitation Rules
Cannot solicit while loss is underway. Cannot solicit between 6 PM and 8 AM. Cannot solicit for residential properties until 7 calendar days after a disaster.
Governing Statutes
California Insurance Code Sections 15000–15032 (Public Insurance Adjusters Act)
Frequently Asked Questions
- How much can a public adjuster charge in California?
- No statutory fee cap currently in effect. Fees must be reasonable and clearly disclosed in writing before services begin.
- How do I verify a public adjuster's license in California?
- You can verify a public adjuster's license through the California Department of Insurance (CDI) at https://cdicloud.insurance.ca.gov/cal/
- What are the licensing requirements for public adjusters in California?
- Public adjusters in California must pass a licensing exam, obtain a $20,000 surety bond, and complete 24 hours per 2-year license term (including 3 hours ethics). Requires 4,000 hours (approx. 2 years) of experience as staff adjuster or via Apprentice Public Adjuster license before full licensure.
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