Less Waiting, Faster Recovery: New Arizona Law Speeds Up Insurance Claims Process

After a disaster, the paperwork shouldn't add to the burden. For many Arizonans filing insurance claims, long waits for an available adjuster have turned difficult situations into drawn-out ordeals, and a new state law aims to put an end to that.

SB 1415, sponsored by State Senator Shawnna Bolick (R-AZ), was signed into law this week, streamlining the licensing process for experienced insurance adjusters who are already certified in other states.

The goal is straightforward: get qualified professionals working faster so claims get processed and people can begin rebuilding their lives sooner.

Under the new law, a salaried employee of an insurer or managing general agent can obtain an Arizona adjuster license without retaking the state's adjuster examination, provided certain conditions are met.

The applicant must be an Arizona resident who held an active designated home state adjuster license in another state before January 1, 2026, must currently be in good standing in that state, and must have originally earned that license by passing a state-approved examination.

Applications must be submitted by June 30, 2027.

Clear Boundaries

Furthermore, the exemption comes with clear boundaries. Adjusters licensed under this provision can only work as salaried employees of an insurer or managing general agent.

They cannot represent policyholders directly, nor can they work for an insurer in any capacity outside of that salaried role. Their Arizona license remains valid only for as long as they remain in that employment arrangement.

Supporters say the measure removes an unnecessary barrier that keeps experienced, already-vetted professionals from working in Arizona, particularly during high-demand periods following natural disasters or widespread damage events, when the need for adjusters surges quickly.

The bill passed with broad bipartisan support.

For Sen. Bolick, the legislation reflects a practical approach to cutting bureaucratic overlap without sacrificing accountability, making sure that when Arizonans are at their most vulnerable, the system moves with them, not against them.