Each state has an insurance department that licenses insurance agents and adjusters. Most states require a specific prelicensing course for insurance agents. However, many states do not even have a list of approved insurance courses to obtain an insurance adjuster education. Nonetheless, this presents a challenge when a state, despite having no adjuster training requirement, mandates an exam for a license as an insurance adjuster. Individuals in states that have an insurance adjuster’s license requirement must find a way to get training and an education in insurance adjusting to pass the required exam. By learning how to get a quality claims adjuster education, applicants can increase their chances of passing a state exam and getting a license to work as an adjuster.
First, you should determine the state requirements for insurance adjusters. In fact, some states require no license at all for adjusters or require it only for public adjusters (those who work independently for insured individuals) or special types of adjusters. For example, Illinois only requires a license for public adjusters. It required an exam but no specific insurance adjuster schooling or courses. Of course, you should attend a course to enhance your chances of passing a state adjuster’s exam in the event your state has that requirement.
However, note that, even if you have no specific licensing requirement, it may be to your advantage to get an insurance adjuster education to increase your chances of getting employed by insurance companies or other employers.
See if your state has a list of approved insurance adjuster schools. While states typically have a list of insurance schools for agents, they may not have such a resource for adjuster schools and training. If they do have such a list, of course you want to pick from that list, Otherwise, you might not even qualify for the state insurance adjuster’s exam. Again, most states do not actually require a specific insurance adjuster prelicensing education. But you should always check just in case.
Check for other potential sources of insurance education. For example, Insurance-Schools.com is a common source that has relatively inexpensive state-based courses (see Sources). If you attend one of these adjuster courses, take care to choose the right course for the specific exam and license you wish to obtain. For example, Florida has a complex system of many different types of licenses, including all lines, property and casualty, public adjuster for all lines, public adjuster for property and casualty and workers compensation. Each course is designed to give you a specific insurance adjuster education that will help you pass the exam for that Florida license type.
Look for other adjuster schools and courses. Another list of courses is included on the Claims-Portal.com website at Claims-portal.com/lkps/lkitem.cfm?mnid=144. Some of these schools may provide only a state-specific or generic education for insurance claims adjusters. Always check the curriculum to make sure you are getting the kind of education you need. For example, some schools offer special training that may help you advance your career or run a business as a public adjuster. Other schools or courses are more targeted and beneficial at preparing you for a state claims adjuster exam.
You can also search for more insurance adjuster training resources in Google or any other search engine. Just enter “insurance adjuster education” and “insurance adjuster school” and peruse the search results to find more options for getting your education in the profession of insurance adjusting.
Insurance-School.com State Insurance Adjuster Courses
Licensing Forms From the Illinois Department of Insurance