How To Become An Insurance Adjuster In Iowa
Updated: March 30, 2021|
Updated: March 30, 2021|
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.
This article will cover a standard insurance claims adjuster license (sometimes known as an independent adjuster license), not a public adjuster license.
The State of Iowa does not offer a Resident Insurance Adjuster License and does not require a license to practice insurance claims adjusting within the state.
This doesn’t, however, mean that your work is done.
Iowa may not offer or require a license for you to transact claims adjusting work, but that doesn’t mean that you shouldn’t still get a license.
Two questions may arise after that last statement: how do I get a license if they don’t offer one, and why do I need one if they don’t require it?
The next step after completing your pre-licensing requirement is to take and pass the Alabama Insurance Adjuster License exam.
There are three states (Texas, Florida, and Indiana) that offer what is called a Designated Home State license. Essentially, what this type of license does is offer people that live in a non-licensing state, like Iowa, the opportunity to “designate” Texas (or one of the other two) as their “home state”. This allows them to apply and obtain a Texas Insurance Adjuster License as if they were an in-state resident of Texas.
There are at least two very compelling reasons why a person would choose to get a designated home state license:
The bottom line is this: if you wish to work in insurance claims, you should have a license to do so, and in Iowa only way to do that is to get a designated home state license.
StateRequirement recommends Texas as the state where you should get your designated home state 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.
Iowa Insurance Division
601 Locust Street – 4th Floor
Des Moines, Iowa 50309
Phone: (515) 281-7757
Fax: (515) 281-3059
Email: [email protected]
Information on this page has been gathered by a multitude of sources and was most recently updated in February 2021.
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