Values the loss when an insurer and a policyholder invoke the appraisal clause of a property policy. New in 2025, and it asks for three years as an engineer, architect, adjuster or contractor on top of knowing how buildings are put together.

Investigates, negotiates or settles Iowa property, casualty or workers compensation claims under contract with insurers or self-insurers. Iowa decides which adjuster license you need by how the insurer pays you, and this is the one for a contractor rather than an employee.

Acts for the insured rather than the insurer, and only on first-party claims for loss or damage to the insured’s own property. It carries a contract the Commissioner has to approve on a filed form before any work begins.

The same work as an independent adjuster, done by somebody an insurer employs directly. Iowa is one of two states here where the license is optional, and the only one whose Code says so outright: 522C.4(2)(a) exempts a staff adjuster from needing one, and the Division licenses anybody who wants one anyway.

Decides between the two appraisers when they cannot agree on the amount of a first-party property loss. Iowa asks for three years as an engineer, architect, adjuster, appraiser, litigator or insurance regulator before it will, and examines the applicant; Louisiana, the only other state here that regulates the role, registers one on the same kind of background and sets no examination.