How To Become An Insurance Adjuster In Georgia
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 Georgia
Step 1. Adjuster Pre-License Education
The first step in getting a Georgia insurance adjuster license is taking pre-license education courses. These are state required courses pertaining to claims adjusting, basic insurance information, state laws and mandates, and professional ethics. To fill the pre-license requirement, you must complete a certain amount of credit hours depending on the lines of authority (types of licenses) you wish to attain.
You must complete forty (40) hours of pre-license education for the Independent Adjuster Insurance line.
You will receive a certificate upon completion of the courses. Keep these certificates, as you will need them when taking your exams.
Most applicants choose to take these courses online, as it fits their schedule better, but there may also be in-person courses available. You should choose which format in which to take your courses based on your preferred method of learning. The goal isn’t just to get the courses out of the way, it’s to prepare you to pass your license exam on the first attempt.
Step 2. Georgia Insurance Adjuster License Exam
The next step after completing your pre-licensing requirement is to take and pass the Georgia 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.
Georgia offers one line of authority for an adjuster: Independent Adjuster. This exam consists of one hundred (100) questions and you will be given two hours (2:00) to complete it.
An outline of included subjects for the exam can be found here: Pearson Vue Georgia Examination Content Outlines
Each attempt of the exam costs $63 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 Georgia Insurance Licensing Candidate Handbook
There are multiple versions of each of the licensing examinations. These versions are known as forms. All forms of an examination are developed based on the content outlines. To ensure that no candidate is put at an unfair advantage or disadvantage due to the particular form of an examination that he or she is given, a statistical procedure known as equating is used to attain comparable form difficulty. The passing score of an examination was set by the Georgia Insurance Department (GID) after a comprehensive study was completed for each examination. The examination score is reported as a percent score on a scale of 0%-100%. It is the percentage of questions answered correctly on the examination. You need to answer 70% of questions correctly in order to pass the examination.”
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 Pearson Vue Georgia Insurance page or by calling Pearson Vue at (800) 274-0488.
Step 3. Georgia Insurance Adjuster License Application
Once you have completed your pre-licensing requirement and examination, the next step is applying for your license.
The fee for an application is $115.
Apply online with the Georgia Insurance Adjuster License Application.
You must also upload the GID-276-EN Citizenship Affidavit Form along with your application. Be sure to send a copy of the front and back of one secure and verifiable identification document.
If you wish to apply with a paper application, you may submit your GID-103-AL Application Form, GID-276-EN Citizenship Affidavit Form, and a check for your application fee by mail to PSI Services LLC PO Box 742983 Atlanta, Georgia 30348-2983.
Step 4. Fingerprinting and Background Check
The State of Georgia 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 Georgia Department of Insurance at (404) 656-2101 or send them an email.
You will process your fingerprints through Gemalto. Appointments can be made on their website or by phone at (888) 439-2512.
The fee for fingerprinting services is $49.25.
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 four (4) 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 PSI 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.
Georgia Department Of Insurance Contact Information
PSI Services LLC
P.O. Box 742983
Atlanta, Georgia 30348
Phone: (404) 656-2101
Fax: (404) 657-8542
Email: [email protected]
Information on this page has been gathered by a multitude of sources and was most recently updated in May 2020.
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