How To Become An Insurance Adjuster In Delaware
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 Delaware
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.
Step 2. Delaware Insurance Adjuster License Exam
The next step after completing all your coursework is to take and pass the Delaware Insurance Adjuster License exams. Depending on the lines of authority you wish to carry, you may need to take more than one 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.
Delaware offers a Property Adjuster line, a Casualty Adjuster line, a Motor Vehicle Adjuster line, a Marine and Transportation Adjuster line, a Surety Adjuster line, and a Workers’ Compensation Adjuster line.
- The Property Adjuster license exam consists of fifty (50) questions, and you have one hour and fifteen minutes (1:15) to complete it.
- The Casualty Adjuster license exam consists of fifty (50) questions, and you have one hour and a half hours (1:30) to complete it.
- The Motor Vehicle Adjuster license exam consists of fifty (50) questions, and you have one hour (1:00) to complete it.
- The Marine and Transportation Adjuster license exam consists of fifty (50) questions, and you have one hour (1:00) to complete it.
- The Motor Vehicle Adjuster license exam consists of seventy-five (75) questions, and you have one hour (1:00) to complete it.
- The Workers’ Compensation Adjuster license exam consists of fifty (50) questions, and you have one hour (1:00) to complete it.
An outline of included subjects for these exams can be found here: Pearson Vue Delaware Insurance Examination Content Outlines.
Each attempt of the exam costs $90 and will be paid when you make your reservation.
To explain the scoring of these exams, we will quote the Pearson Vue Delaware Insurance Licensing Candidate Handbook:
When candidates complete the examination, they will receive a score report marked “pass” or “fail.” Candidates who pass the examination will receive a score report that includes information on how to apply for a license. Candidates who fail the examination will receive a score report that includes a diagnostic score report. The Producer examinations consist of two portions: content and statutes and regulations. Major Line Producer candidates are required to retake only the portion of the examination they failed. However, a candidate must pass the failed portion within one (1) year of passing the first portion in order to pass the entire examination. If the candidate does not pass both portions within one (1) year, he/she must retake the entire examination.
The passing score of an examination is set by the State of Delaware Department of Insurance in conjunction with Pearson VUE. Raw scores are converted into scaled scores that can range from 0 to 100. The scaled score that is reported is neither the number of questions answered correctly nor the percentage of questions answered correctly. Any score below the minimum required passing score indicates how close the candidate came to passing, rather than the actual number or percentage of questions the candidate answered correctly. Some exams require a scaled score of 70 to pass and others require a scaled score of 80 to pass. The passing score will be listed on your score report.”
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.
Note: 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 Delaware Insurance page or by calling Pearson Vue at (800) 274-0455.
Step 3. Background Check
The State of Delaware requires that all insurance license applications provide state and federal criminal background check prior to licensing. 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 Delaware Department of Insurance at (302) 674-7390 or send them an email.
State and Federal Criminal Background Check information may be obtained from the Delaware State Police.
The fee for a State and Federal Criminal Background Check is $65.
Step 4. Delaware Insurance Adjuster License Application
Once you have completed your exams and background check, you are now ready to apply for your license.
The fee for an online application is $100.
Apply online with the Delaware Insurance Adjuster License Application.
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 two to five (2-5) weeks. 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.
Delaware Department Of Insurance Contact Information
Delaware Department of Insurance
The Nemours Building
1007 Orange Street, Suite 1010
Wilmington, Delaware 19801
Phone: (302) 674-7390
Fax: (302) 736-7906
Email: [email protected]
Information on this page has been gathered by a multitude of sources and was most recently updated on March 2019.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. For more information, please contact your state's authority on insurance. Disclosure: StateRequirement has an affiliation with Kaplan Education company, and may receive compensation based on user activity on this site. We truly believe that Kaplan offers excellent products and services, and compliments the mission of StateRequirement.