How To Become An Insurance Adjuster

How To Become An Insurance Adjuster

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How To Get An Insurance Adjuster License

Since insurance is a state-regulated industry, each state has different rules, laws, and regulations regarding insurance adjuster licensing. To find the exact steps for your state, click here to select your state.

Generally, however, there are four basic steps to getting your license:

  • Pre-Exam Education
  • Insurance Adjuster License Exams
  • License Application
  • Application Review

Note: Some states don’t offer an in-state adjuster license. Folks in these states should visit our Designated Home State page.

 

Pre-Exam Education

Some states mandate that you take a certain number of pre-license education hours before you can apply for a license or attempt to take the license exam.

While other states don’t have this requirement of formal education, that doesn’t mean that you should go take the test without studying or preparing.

There are classes, courses, books, and other study materials available that you should spend some time on to gain a basic knowledge of the information on the test.

We recommend Kaplan Education Company for their courses and books on insurance adjuster exam prep.

 

Insurance Adjuster License Exams

As mentioned earlier, there will be a test. These exams aren’t something to be taken lightly, as the national average pass rate is about 55% on the first attempt.

Most of that comes from lack of study. Don’t make the mistake of thinking that this exam is all common sense. Take your time and do your best to pass on the first attempt

These exams are generally taken at a third party testing facility like Pearson Vue. They are closed book, proctored exams. Fees to sit for the exam can range anywhere from $29 - $200+ per attempt, and generally have about 100 questions.

Failing an exam isn’t the end of the world, as you can retake them, but as you can see, this can get expensive very quickly.

 

License Application

Each state has its own license application, which is usually handled online. Some states still require a paper application, but most are up to date and don’t call for a trip to the Post Office.

License application fees, like exam fees, have a large range of about $15 - $350+ per line.

Several states also require a fingerprint to be taken when applying for your license. This is normally handled through third-party fingerprinting service but may also run through your state or local law enforcement offices.

 

Application Review

After you submit your license the state insurance license department will take a look at it, run a background check, and verify all of the information needed is present.

There are times when they will need to get more supporting documentation from you, but this is on a case-by-case basis, and generally has to do with your background check.

When the state is satisfied with all of the information on your application and you have completed all the other requisite steps, they will issue you a license and contact you to let you know the good news!

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