Getting a Arizona insurance adjuster license requires completing a few steps to apply for a resident license in your state.
Arizona requires an adjuster to successfully pass an exam before obtaining a license. To become an insurance adjuster in Arizona, simply complete the steps below to get your insurance adjuster license.
What Kind of Insurance Adjuster Will You Be?
There are four main types of insurance adjusters: staff adjuster, independent adjuster, catastrophe adjuster, and public adjuster.
Each of these positions accomplishes essentially the same task: assess the damage to property brought about by some event and make an evaluation of what monetary value the insurance claim should carry.
The big difference between these different types of adjusters is who pays them, and in the case of the public adjuster, who they are advocating for. Staff, independent, and catastrophe adjusters all require the same type of license, while a public adjuster license is a little different in its specifications.
- Staff Adjuster – Works directly for an insurance company
- Independent Adjuster – Works for a third-party company who performs insurance adjuster work and is contracted by an insurance company
- Catastrophe (CAT) Adjuster – An independent adjuster who travels to an area that has been largely affected by an event (usually severe weather) and performs claims adjuster services en masse
- Public Adjuster – Is an advocate for the insurance customer, not the insurance company (requires a different type of license)
This article provides five easy steps on how to get a Arizona insurance adjuster license. These steps cover the process of applying for a standard insurance claims adjuster license (sometimes known as an independent adjuster license).
How to Get Your Insurance Adjuster License in Arizona
Getting your Arizona insurance adjuster license is a simple and easy process. Follow these 5 easy steps to get started. Don’t forget to bookmark this page so that you can refer to it again throughout the process.
Step 1. Adjuster Pre-Exam Education
Preparation for this exam is not something to take lightly, as the average pass rate of insurance exams nationwide is around 55% for first-time test-takers, and even less for any following attempts. We want you to pass your test the first time you take it.
Studying for this exam can take many different forms. The most common way to get prepared is to take an online study course. These courses are generally comprised of video and text with short knowledge quizzes to make sure you have a comprehensive understanding.
A slightly more minimal approach would be to purchase a state-specific study guide. These guides give you all of the facts that you need to pass the exam and maybe a bit less expensive than a course. They are, however, quite long and densely packed books, so be sure you are ready to tackle this task.
You should choose the method that fits best for you. Some people learn best out of a book, while others take in information better through video and short text. Remember, the goal is to pass your exam on the first attempt, so pick your best path forward and study hard.
For Arizona insurance adjuster pre-license education courses and exam prep, StateRequirement recommends:
Step 2. Arizona Insurance Adjuster License Exam
The next step after completing all your coursework is to take and pass the Arizona Insurance Adjuster License exam.
This is a proctored test, which means that you will be in a controlled environment with a person watching over you. For people who haven’t tested in a situation like this should be aware of this fact, and work on taming their nerves prior to sitting for the exam. When you arrive at the exam location you must have a photo ID any other documents that the testing facility has asked you to bring.
Arizona offers one line of authority for an adjuster: Property and Casualty Adjuster. This exam consists of one hundred fifty (150) questions and you will be given two and a half hours (2:30) to complete it.
An outline of included subjects for the exam can be found here: Prometric Arizona Examination for Property and Casualty Insurance Adjuster Series 13-36.
Each attempt of the exam costs $56 and will be paid when you make your reservation.
A total score of 70% or more is required to pass this test. To further explain the scoring of the exam, we will quote the Prometric Arizona Department of Insurance Licensing Information Handbook:
Your Exam Results
At the end of your exam, your score will be shown on the screen and you will receive a printed score report. The report shows your overall score and grade, including the numerical percentage of questions answered correctly and whether you passed or failed. The report also displays the correct percentage in each major section of the exam, as defined by the exam content outline. These section scores are shown to guide you, or your employer and/or trainer, about areas requiring additional preparation for retesting if you do not pass the exam. Even after you pass, you may want to focus on these areas as you begin to provide insurance products and services to the public. Note that the section percentages will not average out to the total percentage score. That is because individual exam outline sections are allocated different numbers of questions on the exam. The total percentage score is computed by dividing the number of questions you answered correctly by the total number of questions in the exam. Adding the section percentages and dividing by the total number of sections do not compute the total score. Prometric electronically notifies the Department of Insurance of exam results within 48 hours of passing the exam. Note that exam scores are confidential and will be revealed only to you and the Department.
Insurance license tests are intentionally difficult, but not impossible by any means. You should study to the point of comfortability with the information before you attempt the test. Failing the exam isn’t the end of the world, but keep in mind that you will need to pay the fee each time you attempt the test.
You may register to take your exams and find more information on the Prometric Arizona Insurance page or by calling Prometric at (800) 899-4184.
Step 3. Fingerprinting and Background Check
The State of Arizona requires that all insurance license applications provide fingerprints prior to licensing. Giving your fingerprints will initiate a background check. If you have any prior misdemeanors or felonies, this may affect the outcome of your licensing efforts. If you have specific questions regarding things that may come up on your background check you may call the Arizona Department of Insurance at (602) 364-4457 or send them an email.
You will process your fingerprints through Prometric.
The fee for fingerprinting services is $20.
During your fingerprinting appointment, you will be given a fingerprint envelope. You must mail the unopened fingerprint envelope to the mailing address found in the contact information section.
Step 4. Arizona Insurance Adjuster License Application
Once you have completed your exams and fingerprinting, you are now ready to apply for your license.
The fee for an online application is $120 plus a $22 FBI fingerprint card processing fee.
Apply online with the Arizona Insurance Adjuster License Application.
You must also submit Form L-152 by mail and use the mailing address found in the contact information section.
Step 5. Application Review
Once you have submitted your application and have completed all the other requirements, your license application will be reviewed by the state. This process generally takes about twenty-four (24) hours. Depending on the results of your background check, the Department of Insurance may request more information or documentation.
After the review is complete, you will receive an email from the state regarding the status of your license.
You’ve done the work, put in the time and effort, and now hold the key to your own success! We’re proud of you. Take five (5) minutes and celebrate.
Arizona Department of Insurance and Financial Institutions Contact Information
100 North 15th Avenue, Suite 261
Phoenix, Arizona 85007
Phone: (602) 364-4457
Arizona Insurance Adjuster License FAQ
How long does it take to become an insurance adjuster in Arizona?
In Arizona, the process of insurance adjuster licensing can range from a few weeks to a few months (pre-exam education, pre-license exam, background checks, license application, and application review). Follow the steps above to get your insurance license in Arizona.
Do you need a license to become an insurance adjuster?
Yes. Earning an insurance adjuster license allows you to increase your income potential, add to your credibility, and qualify for advanced employment opportunities.
Is being an insurance adjuster difficult?
Being an insurance adjuster can be a highly rewarding role. In fact, insurance claims adjusters enjoy their work and report high levels of job satisfaction, according to Payscale.
How much do insurance adjusters make?
According to the Bureau of Labor Statistics, the most recent median annual salary for claims adjusters, examiners, and investigators was $65,080. This was higher than the median salary for all occupations in May 2021, which was $45,760. The highest earners worked for the government, with a median salary of $81,890. If you want to work as a catastrophe (CAT) adjuster in areas frequently affected by natural disasters (like the Gulf Coast), you will likely have higher earnings potential and employment. For independent insurance adjusters that work on commission rather than salary, the high demand for claims adjusters in these areas can result in a lot of business.
What skills are needed to be an insurance adjuster?
Insurance claims adjusters typically investigate insurance claims and travel to locations to inspect property (such as automobiles, buildings, etc.), assess damage, and make notes on repairs and costs. Insurance adjusters deal with individuals in high-stress situations a lot so you must have a professional attitude at all times. Due to the nature of the job, insurance claims adjusters must have excellent communications skills, write clearly, be comfortable with math and basic computer software, and have a flexible schedule since they travel a lot to areas hit by disasters with irregular work hours. Insurance adjusters must have specific industry knowledge to interpret contracts, determine insurance claim payouts, and make recommendations for how the insurance company proceeds in resolving the claim.
Do you need a degree to be an insurance adjuster?
You don’t need a four-year degree to become licensed as an insurance adjuster. However, you will need to complete your education requirements or pass the Arizona insurance adjuster exam to be a licensed insurance adjuster. One of the prerequisites to fulfill your education requirements is to complete a minimum number of hours of college level insurance-related coursework. If you are working on an associate’s or bachelor’s degree, you can take courses that will work toward the Arizona insurance adjuster license requirements.