wanting to become a licensed insurance adjuster in texas

Submitted by jlovett185 on Tue, 09/02/2008 - 04:33

i have been in construction all my life and am considering becoming a licensed insurance adjuster. i know a lot of people that do it as part time during times of natural disaster. they seem to make a lot of money when they are gone. i have checked into courses to help get my license but am curious still on what i do after i get it. if i was to take off to a recent hurricane do i have to be employed with one insurance company or would several companies use one person like a sub contractor. thanks for your help

Posted: 02 Sep 2008 07:21 Post Subject:

To become an insurance adjuster, first and foremost you are required to obtain the license. A non-licensed adjuster may face difficulties in proving his credibility. Many organizations offer online as well as classroom courses to the aspiring adjusters. You are required to enroll yourself with any of these training institutes to get prepared for the licensing exam.

The all-line adjuster's course includes the following topics,

  • Introduction to insurance terms and concepts
  • Introduction to automobile coverage
  • Homeowners' policy coverage
  • Inland and Ocean Marine coverage outline
  • Adjusters' bonds, practices and licensing requirements
  • Workman's compensation coverage


The course is such designed to meet the licensing requirements of the Texas department of Insurance.

Hope the Input helps.

Thanks,
Rupert

Posted: 02 Sep 2008 07:41 Post Subject:

Well, you can either get associated with an insurance agency and work for it or can work as a public adjuster.

Public adjusters work independently and are not associated with any specific insurance company. The public adjusters work on the client's behalf, ie, they get hired by the claimant to evaluate their extent of damages.

This is because, at times the claimant may not get satisfied with the inspection done by the company adjuster and may decide to get a third party opinion. The public adjuster plays an important role in this situation, he negotiates the loss with the policy holder's insurance company.

However, the experts of the adjusting profession have a split opinion regarding the usefulness of the public adjusters. The employment of the public adjuster in a claim process has both pros and cons, but when you are in significant loss, it may be worthwhile consulting an experience public adjuster as well.

~Jeremy

Posted: 02 Sep 2008 08:25 Post Subject:

Well, if you only have a short term goal in mind, then becoming a public adjuster may be the right option available for you. However, at the time of the disasters, the insurance companies may also decide to reinforce their adjuster's team to meet the demand of the time. And, hence, with the license and experience, you can then find an employment with the insurance companies as well. The demand of the public adjusters is also growing with each passing day. At this juncture, this is definitely an attractive career option for many.

Posted: 03 Sep 2008 12:17 Post Subject:

OP, please don't opt for public adjuster ''profession'' :roll: (they are not well thought of frankly, in most 'adjuster' circles...sorry but it's the truth)...instead look into some independent adjusting company's most hire heavy during disaster times, and many you can work as much or as little as you want....you can work as a subcontractor and be paid by the claim....rather than hope to get a percent from how much you can try and over inflat a claim, also I can all but guarantee the money will be better, the stress less, and for SURE it will look better on a resume' should you decide to try and gain employment with a carrier.

would several companies use one person like a sub contractor. thanks for your help

Many carriers send in their own cat teams, but many also hire independent adjusters...there are many reputable independent adjusting company's. Most are always looking for good adjusters...especially those that will travel for a cat...some independent companys only supply cat adjusters...you might want to check a site like
greatinsurancejobs.com they always have a lot of independents on their site looking for adjusters....let us know if you have any other questions we'll be happy to help if we can..

Posted: 03 Sep 2008 04:53 Post Subject:

Hi all,
There are some other important factors which have a pretty powerful influence over this process-

a) Public adjusters would not investigate, instruct or adjust losses for the carrier or any self-insured

b) The marine surveyors are also not worthy of the licensing act since they would also not investigate, guide or adjust such losses

c) There are certain risks identified by the state board of insurance as the "self-insured" & "self-handlers" in close connection with such insurance losses & claims. Thanks, ArindamSenIndies

Posted: 03 Sep 2008 04:59 Post Subject:

Hi, the State Board of Insurance defines that anyone who is allocated to the job of supervision, analyzing & adjustment of losses would need to stand up to the provisions of the licensing act.
Hence such people who have the primary responsibility towards such tasks would also have to match up to the provisions of the said law.
Thanks, Fatman

Posted: 03 Sep 2008 06:47 Post Subject:

The public adjuster plays the role of a negotiator, who tries to maximize your gain from the insurance company. Well, there is a cost involved in hiring the public adjuster, which the claimant has to bear. As lori has said, the public adjuster may ask for a share of the claim (normally 10% of the claim) as fees . Some adjusters in addition to that may also charge for commuting to the place of occurrence. This reduces the gain of the claimant.

The public adjusters have to work in a highly competitive market and often times have to solicit their services to the claimant, whereas, the company adjuster represents the insurance company and is sent to the scene by the insurer.

Once the policy holder decides to involve the public adjuster in the claim process, the dialogue with the company adjuster gets terminated. The negotiation then takes place between the adjuster and the insurance company. And as someone has mentioned above, the public adjuster doesn't investigate or appraise the damages but negotiates to maximize the insurance payout.

The role of the public adjusters is neither good nor bad. In most cases they are regulated and monitored by the state government and if their services aren't satisfactory complaint can be lodged against them as well.

Regards,
Juanita

Posted: 24 Sep 2008 02:11 Post Subject: felony from the past

I have a license but have a felony will it keep me from working for insurance co. ?

Posted: 24 Sep 2008 07:12 Post Subject:

I have a license but have a felony will it keep me from working for insurance co. ?



It may, depending upon the nature of the felony.

Most often companies do a background check before recruiting an employee. It involves investigating into the financial well being of the individual, criminal checks and such. Hence, the employer is likely to find out about the felony and it might affect your employment possibilities.

Posted: 26 Oct 2008 02:07 Post Subject: adj school?

there are a few schools in Florida that offer training and the actual test.
However, they are all $500!
is there any way to become educated/licensed for less?

Posted: 24 Nov 2008 10:19 Post Subject:

Well, the community college may offer the course at lower rate. You may wish to check out with it. Also check for virtual classes available on net. These are specially designed for candidates who can't join the full time classes.

Almost all the licensing exams require forty hours of pre-licensing course in order to satisfy the licensing criteria.

Posted: 07 Jan 2009 10:45 Post Subject:

There are some other important factors which have a pretty powerful influence over this process.Public adjusters would not investigate, instruct or adjust losses for the carrier or any self-insured. The marine surveyors are also not worthy of the licensing act since they would also not investigate, guide or adjust such losses.

Posted: 14 Jan 2009 11:53 Post Subject:

I WANT TO GET MY ADJUSTER LICENSE IN TEXAS,WHICH SCHOOLS DO YOU SUGGEST?

Posted: 15 Jan 2009 08:00 Post Subject:

JCREOLE, you have two options either you can enroll yourself for the 40 hrs pre-licensing course or can pass the state licensing test to obtain the license to operate as an adjuster in the state. You can check out with the community college for classroom training or can opt for an online course.

Posted: 15 Feb 2009 06:58 Post Subject: wanting to become a licensed insurance adjuster in texas

I got mine from cceducation.com Everything was online, self paced and cheaper than any other I could find.
It was recommended to me by my employer.

Posted: 20 Feb 2009 01:15 Post Subject: independent adjusters

I suggest avoiding community colleges when obtaining your adjuster license and opt for a specialty school that crams licensing in a 4-6 day course. Becoming a WORKING independent adjuster is hard to do, the licensing is easy but getting into a storm with no real experience is next to impossible without knowing someone who is already in the industry. You WILL meet people at the specialty school who can face you in the right direction and give you many contacts and/or leads. Some schools even pair recent grads with seasoned adjusters during a storm so they can learn the ropes. You have to prove yourself to your field teacher to get the nod to get files of your own.

No one has touched on the software requirements. Without the software (xactimate) training you will never get storm duty. Some of the specialty schools also have cram classes for XM8.

Ive been an Independent for over 12 years and when the weather is nasty I make very nice coin. I love walking roofs and meeting new people. I also know that some years are very dead so you must save your hard earned loot for slow years. If you have any real questions about the profession give me a shout. gruvenhaus at gmail dot com.

I just wrapped up 4 weeks of work in Spring TX. and have enough coin put back to lounge around for 2 years, as I said, its a very good profession.

Posted: 20 Feb 2009 08:34 Post Subject:

Hi Adjuster, I'm just curious to know why has to suggested the OP to avoid the community college. I've heard that they are pretty good and reasonable in terms of expenses.

Posted: 03 Mar 2009 12:44 Post Subject: public adjuster

does anyone know on how to get started on becoming a public adjuster in texas. step ny step or a web site

thanks

Posted: 03 Mar 2009 06:14 Post Subject:

In Texas you’re required to be licensed to operate as a public adjuster. Hence, you’re first step should include getting the license. And, therefore you either have to enroll yourself for the pre-licensing classes or have to take-up the state licensing test.

Hope this helps. :D

Posted: 03 Mar 2009 02:25 Post Subject:

And, therefore you either have to enroll yourself for the pre-licensing classes or have to take-up the state licensing test.


Is it really cool to sit for the state licensing test without attending the pre-licensing classes!
Or do you think it would only be possible if we go the other way round?

Posted: 03 Mar 2009 07:32 Post Subject:

does anyone know on how to get started on becoming a public adjuster in texas. step ny step or a web site

PLEASE re-think that occupation.. :roll:

Posted: 16 Mar 2009 02:38 Post Subject: wanting to become a licensed adjuster

I went through Texas Insurance Academy. Very helpful and experienced.
My brother went through another school, but it was what I'd call an adjuster mill. Rushed through and no service after the sale.

I'm a roofer and have been for 12 years. Going through the All lines adjuster course helped me communicate more effectively with the guys who write the check if you know what I mean. I'd look up Jim at TIA, Texas Insurance Academy. He'll point you in the right direction and if he can't he'll tell you how to get the info you need. Good luck!!

Nate

TexasInsuranceAcademy.com

Posted: 20 Mar 2009 02:24 Post Subject: Newby here

Ok..so on Monday..I'm going to meet with a local public adjuster company..I've already gone through their orientation. It seems as if they are going to rush me through training..then provide minimal oppertunities for work after I get my license. My questions..
1.) Is it really hard to find work on your own if the company you work for does not provide this?
2.) I know I have to get bonded..with just a so/so financial background..will I find this difficult to achieve?
3.) Is it possible, once licensed to work on your own? As your own little business?

Thanks a bunch!

Posted: 20 Mar 2009 04:58 Post Subject:

Well, the answers to the above mentioned questions would greatly depend upon the contract that you have to sign with the employer. Hence, don't forget to read between the lines.

Regarding finding enough jobs...well, that would greatly depend upon the market and the line of insurance claims that you would be pursuing.

Posted: 20 Mar 2009 09:58 Post Subject:

1.) Is it really hard to find work on your own if the company you work for does not provide this?

I would think so, and what about a liabililty policy?

2.) I know I have to get bonded..with just a so/so financial background..will I find this difficult to achieve?

probably depending on the underwriting of the company issueing the bond..and if your credit is 'iffy' then yep..

3.) Is it possible, once licensed to work on your own? As your own little business?

Sure, but again, you'd need to look into buisness licenses, ins etc..also better read their contract with you (if they have one) bet it has a 'no compete' claus...in which case, you likely cannot go out on your own anyway for some length of time, or have to be certain miles away..

Md, I'll bet you're in Florida aren't you?

It seems as if they are going to rush me through training.

I'm sure they are...are you saying that their training is only taking a few days? :roll: Honey, please listen to me...in the field of ins...and adjusters that are either independent or company adjusters...claims and ins in general...'public' adjusters are not well thought of at all and many companys are well scummy would be a nice way of putting it...I'm concerned that with that (public adjuster) the only thing on your resume (claims wise) you'll be lucky to ever be hired by a 'real' company (ie ins. carrier or independent company)...do you have ANY prior adjusting or claims experience? Did you get the feeling that this company hires most of the applicants?

Posted: 20 Mar 2009 06:11 Post Subject: thanks

Thanks for the info! The training doesn't take a few days..not so sure where that came from..it's a pretty long process..but look forward to the challenge..I'll let you all know how it goes~!

Posted: 20 Mar 2009 06:12 Post Subject: forgot

Lori..I forgot to let you know that I'm in NJ..not Florida..I guess Florida gets a bad rap in this industry?

:-)

Posted: 21 Mar 2009 01:09 Post Subject:

The training doesn't take a few days..not so sure where that came from..

well silly, this is where it came from, when YOU said, :wink:

It seems as if they are going to rush me through training


I guess Florida gets a bad rap in this industry?


well, no not really, but they do seem to be the 'home' of the public adjuster...(tons of 'em) :wink:

Let us know how it goes...and good luck.

Posted: 25 Mar 2009 12:55 Post Subject: Background Checks

How important is your credit rating when applying for an adjuster license?

Posted: 25 Mar 2009 01:09 Post Subject:

Katla, it can be very important to a company that may hire you...but I'm not certain as to a license, if you'll check your states dept of ins website it should have some info regarding this there..

Posted: 29 Jun 2009 08:30 Post Subject: Upcoming Training Seminar

ICR Group Claims, Inc. is hosting a traing seminar for candidates interested in becoming a licensed property adjuster. The seminar will cover the basics of adjusting, Xactimate certification, Haag course instruction, as well as the TX licensing course and exam. If you or someone you know is interested in attending please respond back asap to leighann[at]icrgroupclaims.com.

Best Regards.

E-mail deactivated for your privacy reasons

Posted: 30 Jun 2009 11:08 Post Subject:

Would there be charges in attaning the seminar? Do I have to enroll beforehand?

Posted: 08 Jul 2009 12:38 Post Subject:

In response to the training question and the price, I went through this about 3 months ago. Most places do seem to charge about $500 online, however.. I consider myself a good googler and I found a couple of them charging $299.00. I used 1st choice certification because they had it online. Most of the other 300 dollar ones only had classroom stuff and I just don't have the time nor patience to sit through a stuffy classroom at my age.

It wasn't so bad. I was able to take the state exam through them at the end of the course. I come from a background in management so I didn't really know too much about the insurance field. The material in the course was easy enough for me to grasp a hold of (even though I had to take the exam 3 times before passing).

The one thing I liked is that even though I'm not from Texas, my state accepted the texas process.

Now my question is, Does anyone have any info or links on some good books to read for adjusters? I've learned a lot in the little experience I have had with a local company so far but I would rather be as prepared as possible.

Posted: 08 Jul 2009 10:31 Post Subject:

Now my question is, Does anyone have any info or links on some good books to read for adjusters?

A couple come to mind that I read years ago, sorry I can't remember the authors. One title was How To Negotiate Anything, the other was Win Win, both are good books on negotiation. Which frankly is a big part of the job.

Posted: 18 Jul 2009 07:20 Post Subject: PA/IA

If you want to join the IA ranks or the PA ranks, it would be a good idea to go the staff route for 5 years or more. This is where you will get proper training regardless of which side of the industry you decide to join. Going in with only a crash course is a bad recipe, especially in the Public Adjuster realm.

A Public Adjuster is hired by a property owner for the knowledge and experience. The customer is usually in a situation where they feel that the offer from the carrier is not appropriate. Keep in mind that the carrier desires to limit the financial exposure of the claim. This can be explained and verified by a quick google search for "ccpr 1996" or "McKinsey and Allstate" and click a couple of links. Therefore, the job of the Public Adjuster is to obtain a proper settlement to indemnify the policy holder adequately. A PA without an extensive background can not serve the customer properly.

As far as the comments stating that PA's are not well thought of in the adjuster community, well that is subjective. Consider two things:

1) A good staff or IA will appreciate having an experienced person involved with the claim to expedite the process and adequately settle the claim. In my experience only the lesser experienced adjusters were not happy about a PA's involvement. When I worked as a Staff Adjuster and later as an IA, I appreciated the involvement of a PA.

2) Although some adjusters are not happy about the involvement of a PA, I have never seen a customer that was not completely satisfied and gracious at the conclusion. There is an exception to every rule but I have yet to experience that. I would suggest a long term goal of serving the community in the claims process and not the carrier after considering this.

I would consider the following outline if you want a carrier in claims:
1) Get a job with a major carrier for at least 5 years.
2) Get licensed as an IA and work with a large vendor for an additional 5 years. Also work NFIP claims as well.
3) After gaining substantial experience, consider serving the general public as a PA. You will find it very rewarding.

If you follow this outline you need not worry about paying for a license. The carrier will help you through this process and you will begin with an income. If you go straight to the IA side you may not work until a major event occurs. At that point you may get claims but also remember that it is common to go months without payment. Inexperienced IA's are most commonly forced into other lines of work due to the unpredictable nature of the claims volume and lengthy periods of time between performing the assigned task and recieving payment.

One more thing to consider. Your construction background is very valuable and somewhat uncommon in the claims business. I worked in several different trades and I believe that having this background provided me with a valuable tool. The best way to explain this is that adjusting claims without having ever performed the trades would be comparable to writing a book report on a book you had not read. I would suggest that a customer may not be well served by depending upon an adjuster without a construction background to settle the property damage claim.

If you want to discuss this any further or have more questions relating to this field, feel free to email me at info@adjusterfighter.com.

W. J. Dees
Public Adjuster

Posted: 19 Jul 2009 04:38 Post Subject:

something for ur information from TX DOT SITE http://www.tdi.state.tx.us/licensing/agent/agpubadj2.html
he Public Insurance Adjuster Law (SB127 of the 78th Legislative Session) became effective on June 11, 2003. Article 21.07-5 Section 3 (a) requires that: "A person may not act as a public insurance adjuster in this state or hold himself or herself out to be a public insurance adjuster in this state, unless the person holds a license or certificate issued by the commissioner under Section 5, 15, or 16 of this article."

* Examination: There is no provision in statute that would allow Public Insurance Adjusters (PIA) to qualify for license by taking a prelicense course. Such courses may or may not be useful to prepare for the PIA License Qualifying test. Get information about testing, get a license application, or schedule an examination by contacting Prometric. You may do this on the internet, or call them toll free at (866)267-0455.
* Bond Form: A Public Insurance Adjuster must have a $10,000 Public Insurance Adjuster's bond.
* The statute: Click here to review the statute (Senate Bill 127).
* The rule: Review the Public Insurance Adjuster rule.
* Public insurance adjusters charge fees to help negotiate claim settlements with insurance companies. The public insurance adjuster fee is normally a percentage of the claim settlement and therefore is paid out of settlement monies received from an insurer.
* If a claim is settled within 72 hours of the date the loss is reported to the insurance company, the public adjuster is entitled only to reasonable compensation for time and expenses.
* The public adjuster's fee may not exceed 10 percent of a claim settlement and must be disclosed in the public adjuster written contract.
* Public adjusters may not give legal advice.
* The public adjuster may not participate, either directly or indirectly, in the reconstruction or repair of damaged property that is the subject of a claim adjusted by the public adjuster.

Posted: 25 Mar 2010 05:12 Post Subject:

how much would you expect to make as an adjuster in houston tx working for an insurance company?

Posted: 25 Mar 2010 11:16 Post Subject:

It depends...in my area, coming in with experience, I'd expect, some where oh around 50k without any experience, I'd expect 30-40k.

Posted: 23 Oct 2010 08:08 Post Subject: felony

my daughter has a y class felony and is interested in being a insurance adjustor, will this stop her from being able to do it?

Posted: 24 Oct 2010 08:57 Post Subject:

The Federal Violent Crime Control and Law Enforcement Act of 1994 (18 USC 1033, 1034) governs who may not work in the insurance industry. Under certain circumstances, the Commissioner/Superintendent of Insurance in the licensing jurisdiction may grant a waiver allowing the individual to be licensed.

Each state has its own set of regulations governing who may or may not be granted a waiver. Contact your state's Dept of Insurance to find out what they are.

Posted: 23 Feb 2011 02:26 Post Subject: florida license

just so everyone wanting to obtain a license in the state of florida knows,as of the first of january 2011 any persons with any type of felony on there record will not be granted a insurance adjusters licens for any reason.the new govenor is the one to thank for that statute.florida financial department is the one that you would fill out your apllication with and they will still take your money but will not and can not grant the license

Posted: 23 Feb 2011 02:35 Post Subject: florida license/felony

this is true,as of the first of january 2011 all persons with a felony of any class shall be denied a adjusters license in this state,kind of a racket being ran in florida if you ask me,they will still tell you we observe each individual on a case by case basis-not true,they used to list each class felonies hold period on thier web site and no longer do.Texas on the other hand is still looking for good adjusters and seem to be more understanding to the point you will atleast be fully reviewed-not judged.but will any employers give you employment with a felony is the real ?

Posted: 16 May 2011 01:36 Post Subject: ytQQEjjvnJKZYNv

Parttime adjuster.. Keen :)

Posted: 03 Jun 2011 09:38 Post Subject: BwDDPGLQjiZAJzsFC

Parttime adjuster.. May I repost it? :)

Posted: 16 Jun 2011 02:57 Post Subject:

I have a felony that is 20 years old for robbery from when I was a teenager, but I did finish my parole nad was curious to know would that particular felony stop me from getting a license in Texas?

Posted: 07 Nov 2015 06:40 Post Subject: Independent Adjuster

Has anyone heard of 1st Choice Certification in Texas? I was thinking about taking the online independent Insurance adjuster classes and I wanted to know if anyone has had any bad experiences with them.

Posted: 07 Nov 2015 06:42 Post Subject: Independent Insurance Aduster

I have a degree in Real Estate, with a lot of experience in Real Estate. What would

my chances be to start working as an independent insurance adjuster with a

company in Texas once I pass the exam?[/b]

Posted: 23 Dec 2015 06:24 Post Subject:

You realize that you must have experience as an adjuster first, don't you?

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