The North Carolina Department of Insurance (NCDOI) has outlined procedures insurance companies will need to follow if a catastrophic event were to occur in North Carolina. NC Emergency Management staff will not allow any resident insurance adjuster or nonresident insurance adjuster access to a declared disaster area unless the adjuster is carrying proper identification.
The Department is requiring that all companies provide each catastrophic adjuster with an identification badge. A template is available for use to produce the badges needed for your adjusters.
Based on its authority, the NCDOI will permit individuals who satisfy all of the requirements (including licensure in another state if that state requires a license) to adjust claims in North Carolina for a specified period of time without obtaining a North Carolina adjuster license. Such permission will only be in effect and valid so long as insurance companies and adjusters comply with the identification procedures as established by the Department.
The company may provide the nonresident adjusters with the NCDOI identification badge and immediately deploy them to a declared disaster area. At the same time these adjusters are deployed, the company must provide to the NC Licensing Section-Agent Services Division written notification, on company letterhead, indicating the adjuster’s name, state of residence and insurance license status including state of licensure if applicable. The notification letter must specify that the adjustment work will be solely related to losses resulting from the catastrophe.
Insurance companies are requested to email the required notification to CATAdjusterRequest@ncdoi.gov. Although e-mail notification is strongly preferred, companies may also fax the required notification to (919) 715-3794, Attention: NC Catastrophic Adjuster Approval.
All insurance adjusters must produce their NCDOI identification badge upon request. Permission to act as an insurance adjuster in North Carolina is in effect and valid so long as (1) the company and adjuster comply with these identification requirements and (2) the adjuster is otherwise acting within the time period determined by the Commissioner under NCGS 58-33-70(e). The company will be held responsible for allowing an unauthorized person to adjust claims in North Carolina.
If you have any questions concerning this procedure, please contact the NC Licensing Section-Agent Services Division at 1204 Mail Service Center, Raleigh, North Carolina 27699-1204 or at (919) 807-6800.
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