The Maine Property and Casualty Insurance Adjuster license

24-A M.R.S. 1410(1) puts the examination in front of every resident producer, adjuster and consultant license, and 1410(7) is the sentence that decides how many papers a person sits: "An applicant for more than one kind of license or for more than one authority under a license must be separately examined for each category of license or authority and shall pay a separate examination fee for each examination."Maine grants one adjuster license and hangs three authorities off it at 1415(3), so the three authorities are three papers rather than one. 1424-A(1) is the closed list of findings the superintendent must make before approving an adjuster application: compliance with subchapter 6, no act that is a ground for denial under 1417 or 1420-K, any prelicensing requirements under subchapter 2 completed, the fees under section 601 paid, and the examinations passed. Paragraph C is the education slot and subchapter 2's education subsection, 1410(4), has been empty since PL 2007, c. 51 repealed it, so what paragraph C requires of an adjuster is nothing. 1472(2) adds the rest of the qualification and it is three lines long: at least 18 years old; competent, trustworthy, financially responsible and of good personal and business reputation; and the written examination passed. Pearson VUE is the vendor and its Maine handbook prices the paper at $55 with 60 minutes allowed. Failing to appear costs the fee and the booking together, because 1410(3) sends a candidate who misses or fails back to reapply and pay before rescheduling. There is no cap on retakes anywhere in the chapter. The paper for this authority is 12-ME-31, Property and Casualty Adjuster, 60 minutes, $55. Maine draws this authority by subtraction. 1402(11-A) defines the property and casualty insurance adjuster as "a person who adjusts property and casualty claims of any kind except for multiple peril crop insurance claims and workers' compensation claims", so the other two authorities are carved out of it rather than added to it. Two things about the license itself are worth more than the paper. First, there is no separate public adjuster license in Maine: 1402(1) defines the adjuster as somebody who investigates for, settles on behalf of and reports to "an insurer, fraternal benefit society, workers' compensation self-insurer or insured", and 1476 then regulates the insured-paid version inside the same subchapter, with a 36-hour cooling-off period after the loss before an adjuster may offer a fee contract and a two-business-day rescission clause that must be printed on the first page of it. Thirty-nine states on this site issue a public adjuster license, counted as Wyoming's file counts them, and Maine writes the conduct rule instead. Second, the definition excludes more people than most: 1402(1)(B) exempts property and casualty and workers' compensation adjusters who are employees of insurers, so Maine issues no company or staff adjuster license either; (A) exempts Maine attorneys; (C) exempts a licensed producer authorized by contract to settle claims up to $10,000, or $20,000 during a catastrophe; (E) exempts anybody adjusting only life and health claims; and (F) exempts the adjuster trainee, defined at 1402(2) as somebody with less than a year's experience working under the immediate personal supervision of an adjuster who has been in the business three years or more. Maine licenses the trainee nowhere and simply leaves them out of the definition. 1475 does the same for catastrophe work: an adjuster sent into Maine by an authorized insurer for an extraordinary loss, or a series of losses from one catastrophe, needs no license at all, which is where most states put an emergency adjuster license instead.

Read at legislature.maine.gov on 2026-08-19

24-A M.R.S. 1427-A(1). Maine writes this exemption for adjusters and consultants in a section of its own, separate from the producer version at 1420-H, and the wording is wider than it first looks: it waives "any prelicensing education or examination pursuant to section 1410", which is the whole of what section 1410 asks of a resident applicant. The three ways to prove it are alternatives rather than steps, and the third is the cheapest: the NAIC producer database showing the license in good standing for the type requested. Note what is not waived. 1477(1) tells the superintendent to waive the requirements for a nonresident adjuster whose home state licenses them, "except the requirements imposed by sections 1420-G and 1472, subsection 2, paragraph B", so competence, trustworthiness, financial responsibility and good reputation survive every reciprocity clause in this chapter.

Read at legislature.maine.gov on 2026-08-19

24-A M.R.S. 1427-A(2), written as a duty rather than an option: somebody licensed in another state who moves here "must apply within 90 days of establishing legal residence". No prelicensing education or examination is required for the license type previously held in the prior state, except where the superintendent determines otherwise by rule, and no such rule has been made. The clock runs from residence rather than from the application, so a person who waits out the 90 days is back on the examination route.

Read at legislature.maine.gov on 2026-08-19

24-A M.R.S. 1427-A(3), and it turns on four conditions rather than one: the earlier license was the same type, the applicant met the applicable continuing education requirements across the two years, the earlier license was terminated voluntarily, and the applicant is still fully qualified. A license that was revoked or suspended closes this route permanently, in the subsection's own last sentence. Continuing education is the condition that does nothing here, because 1481-A(1) applies subchapter 7 to producers and consultants only, so a Maine adjuster owes no continuing education to have missed.

Read at legislature.maine.gov on 2026-08-19