How To Become An Insurance Adjuster In Connecticut

Written by: Kevelyn Rodriguez

    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 will cover a standard insurance claims adjuster license (sometimes known as an independent adjuster license), not a public adjuster license.


    How To Get Your Insurance Adjuster License In Connecticut

    This article will cover a standard insurance claims adjuster license (sometimes known as an independent adjuster license), not a public adjuster license.



    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.


    Recommended Course

    For adjuster pre-licensing and study materials, StateRequirement recommends: Kaplan Education Company



    Step 2. Connecticut Insurance Adjuster License Exam

    The next step after completing all your coursework is to take and pass the Connecticut Insurance Adjuster License exams.

    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.

    Connecticut offers a Casualty Adjuster for All Lines Insurance and a Casualty Adjuster All Lines Except Workers’ Compensation Insurance and a Casualty for Workers Compensation Insurance Adjuster line, and a Casualty Adjuster for Auto Insurance Only line.

    • The Casualty Adjuster for All Lines Insurance license exam consists of one hundred (100) questions, and you have two hours (2:00) to complete it.
    • The Casualty Adjuster for All Lines Except Workers’ Compensation Insurance license exam consists of one hundred (100) questions, and you have two hours (2:00) to complete it.
    • The Casualty for Workers’ Compensation Insurance Adjuster license exam consists of sixty (50) questions, and you have one hour (1:00) to complete it.
    • The Casualty Adjuster for Auto Insurance Only license exam consists of sixty (60) questions, and you have one hour (1:00) to complete it.

    Here is a copy of the outline of the exams for all lines of authority.

    Each attempt of the exam costs $70 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 Pearson VUE Connecticut Department of Insurance Licensing Information Handbook

    Score Explanation

    The passing score of the exam is determined by the Connecticut Insurance Department. Through standardization
    and control, Pearson VUE ensures that no individual has an unfair advantage because of a particular
    examination format. The passing score required on the Bail Bonds is 80%. The passing score required on all
    other examinations is 70%.


    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.


    StateRequirement recommends that you study for one exam at a time, then after passing, starting on your next line. The exams are difficult enough on their own without confusing information from one line to another.

    You may register to take your exams and find more information on the Pearson VUE Connecticut Insurance page or by calling Pearson VUE at (866) 407-2057.


    Step 3. Connecticut Insurance Adjuster License Application

    Once you have completed your exams, you are now ready to apply for your license.

    The fee for an online application is $130.

    Apply online with the Connecticut Insurance Adjuster License Application.



    Step 4. Application Review

    Once you have submitted your application, your license application will be reviewed by the state. This process generally takes about seven to ten (7-10) business days. You may also check the status of your application at the Connecticut Insurance Department. Depending on the results of your background check, the Department of Insurance may request more information or documentation.



    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.

    Connecticut Department Of Insurance Contact Information

    Mailing Address:

    Connecticut Insurance Department
    P.O. Box 816
    Hartford, Connecticut 06142

    Phone: (860) 297-3800



    Information on this page has been gathered by a multitude of sources and was most recently updated in February 2021.

    Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. StateRequirement and its members and affiliates are not responsible for any losses, monetary or otherwise. StateRequirement is not affiliated with any state, government, or licensing body. For more information, please contact your state's authority on insurance.

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