How To Become An Insurance Adjuster In Hawaii
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 Hawaii
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. Hawaii Insurance Adjuster License Exam
The next step after completing all your coursework is to take and pass the Hawaii 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.
Hawaii offers an Independent Adjuster line and a Workers’ Compensation Adjuster line.
- The Independent Adjuster license exam consists of one hundred forty (140) questions, and you have two hours and forty-five minutes (2:45) to complete it.
- The Workers’ Compensation Adjuster license exam consists of twenty-five (25) questions, and you have forty-five minutes (0:45) to complete it.
An outline of included subjects for these exams can be found here: Pearson Vue Hawaii Insurance Examination Content Outlines.
Each attempt of the exam costs $75 and will be paid when you make your reservation.
A total score of 70% or more is required to pass this test. To explain the scoring of these exams, we will quote the Pearson Vue Hawaii 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 numeric score and diagnostic information relating to the general portion of the examination, as well as information about reexamination. Reservations cannot be made at the test center. Candidates must wait 24 hours before making a reservation for re-examination.
There are multiple versions of each of the licensing examinations. These versions are known as forms. Although all forms of an examination are developed based on the content outlines, the difficulty of the forms of an examination may vary slightly because different questions appear on each form. 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 correct for differences in form difficulty.
The passing score of an examination was set by the Hawaii Department of Commerce and Consumer Affairs (in conjunction with Pearson VUE) after a comprehensive study was completed for each examination. Raw scores are converted into scaled scores. To avoid misuse of score information, numeric scores are only reported to fail candidates. The scaled score that is reported to you is neither the number of questions you answered correctly nor the percentage of questions you answered correctly. With a passing score of 70, any score below 70 indicates how close the candidate came to passing, rather than the actual number or percentage of questions the candidates answered correctly.”
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 Hawaii Insurance page or by calling Pearson Vue at (800) 274-2608.
Step 3. Fingerprinting and Background Check
The State of Hawaii 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 Hawaii Insurance Division at (808) 586-2790 or send them an email.
You will make your fingerprinting reservations through Fieldprint. Appointments can be made on their website or by phone at (877) 614-4634.
The fee for fingerprinting services is $8.95.
You must use the code HI-DCCA-INS to identify that the intended recipient of your fingerprint result is the Hawaii Insurance Division.
Step 4. Hawaii Insurance Adjuster License Application
Once you have completed your exams and fingerprinting, you are now ready to apply for your license.
For the application fee, see the 2019 Hawaii Fee Schedule for Adjuster. Make a check payable to the “Department of Commerce and Consumer Affairs.”
You must mail a completed Hawaii Application Form for Individual Insurance License together with the check for the application fee. There is not an option to apply for this license online. Mail your check and application to the address found in the contact information section below.
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 ten (10) business days. 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.
Hawaii Department Of Insurance Contact Information
Hawaii Insurance Division
P.O. Box 3614
Honolulu, Hawaii 96811
Phone: (808) 586-2790
Fax: (808) 586-2806
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.