Getting your Louisiana adjuster license involves a few simple steps. You’ll start with a pre-exam education to get the basics down, before taking and passing the PSI exam. After that, all that’s left to clear is a background check.

Once this is done, you can send your application to the Louisiana Department of Insurance. If everything goes well, you’ll be a licensed adjuster, able to handle and settle claims.

In this article, we offer everything you need to know in order to get started, helping you find the best way of getting your Louisiana insurance adjuster license.

How to Become an Insurance Adjuster in Louisiana

Getting your Louisiana adjuster license can be a simple and easy process, but this will ultimately depend on how you go about completing the required steps.

Step 1: Adjuster Pre-Exam Education

Preparing for the Louisiana insurance adjuster exam is not something to take lightly. This is because the average pass rate of insurance exams nationwide is around 55% for first-time test-takers and even less for any following attempts.

This means that it is generally recommended that you complete some form of education — such as purchasing a study guide or a state-approved online course — before sitting your exam(s).

These courses are composed of video, audio, and text, and include short knowledge quizzes and practice exams which will help you obtain the necessary understanding of the material that you will need to know.

Even though this is not a legal prerequisite in Louisiana, we believe that purchasing a pre-exam course can go a long way toward ensuring that you pass your exam(s) on your first attempt.

Step 2: Louisiana Insurance Adjuster License Exam

Once you have completed all of your coursework, you will be able to take (and hopefully pass) the Louisiana 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. It is, therefore, a good idea to work on both your timing and nerves prior to sitting for your exam.

Louisiana offers six adjuster lines for you to choose from, which have been outlined below:

• The Automobile Adjuster license exam — This consists of sixty (60) questions, and you have one hour and ten minutes (1:10:00) to complete it
• The Personal Lines Adjuster license exam — This consists of one hundred (100) questions, and you have two hours (2:00:00) to complete it
• The Commercial Lines Adjuster license exam — This consists of one hundred (100) questions, and you have two hours (2:00:00) to complete it
• The Property and Casualty Insurance Adjuster license exam — This consists of one hundred and fifty (150) questions, and you have two hours and forty minutes (2:40:00) to complete it
• The Crop Adjuster license exam — This consists of sixty (60) questions, and you have one hour and ten minutes (1:10:00) to complete it
• The Workers’ Compensation Insurance Adjuster license exam — This consists of sixty (60) questions, and you have one hour and ten minutes (1:10:00) to complete it

An outline of included subjects for these exams can be found here:

• PSI Louisiana Automobile Adjuster Series 201
• PSI Louisiana Personal Lines Adjuster Series 202
• PSI Louisiana Commercial Lines Adjuster Series 203
• PSI Louisiana Property and Casualty Adjuster Series 204
• PSI Louisiana Crop Adjuster Series 205
• PSI Louisiana Workers’ Compensation Adjuster Series 206

Each attempt at the exam costs $15 and will be paid when you make your reservation.

A total score of 70% or more is required to pass this test. For more information on the scoring of the exam, we will quote the PSI Louisiana Department of Insurance Licensing Examinations Candidate Information Bulletin:

StateRequirement recommends that you study for one exam at a time. This is because insurance adjuster exams are difficult enough on their own without the possibility of confusing information from one line to another. This will allow you to work incrementally towards completing your final exam.

You can register to take your exams — as well as find out more information — on the PSI Louisiana Insurance page or by calling (800) 733-9267.

Note: Before registering for your exam, we recommend completing some form of pre-exam education. Even though this is not a legal requirement in Louisiana, it can go a long way in ensuring that you pass your exam(s) on your first attempt.

Step 3: Fingerprinting and Background Check

The State of Louisiana requires that all insurance license applications provide fingerprints prior to licensing. Giving your fingerprints will initiate a background check.

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 Louisiana Department of Insurance at (225) 342-0860 or send them an email.

You will process your fingerprints through PSI. You must pass your exam before you make reservations. Appointments can be made on their website or by phone at (800) 733-9267.

Note: The fee for fingerprinting services is $39.25.

Step 4: Louisiana Insurance Adjuster License Application

Once you have completed your exams and fingerprinting, you are now ready to apply for your license.

Note: The fee for an application is $75.

Apply online with the Louisiana 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 seven to ten (7-10) 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.

Congratulations!

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 minutes and celebrate.

What Kind of Insurance Adjuster Will You Be?

There are four main types of insurance adjusters: staff adjusters, independent adjusters, catastrophe adjusters, and public adjusters.

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 insurance 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 one insurance company in order to investigate, evaluate, and potentially settle claims
• Independent Adjuster – Works for a third-party company, often called an Independent Adjusting Firm, which has been contracted by insurance carriers to help settle their claims
• Catastrophe (CAT) Adjuster – Can be an independent or staff adjuster who travels to an area that has been largely affected by an event (usually severe weather) and performs adjustment services to insurance claims en masse
• Inside Adjuster – Inside adjusters, sometimes referred to as “desk” or “remote” adjusters, handle claims from an office. They are the policyholder’s main contact and the person who applies the policy terms and standards to the claim
• Public Adjuster – Independent insurance adjusters that customers choose to hire in order to settle insurance claims. Public adjusters are not hired by insurance companies

Note: To become a public adjuster, you must obtain a standard adjuster license in Delaware, get an appointment from a public adjusting firm, gain work experience, and eventually pass an additional exam.

Louisiana Department of Insurance Contact Information

Mailing Address:

Louisiana Department of Insurance
P.O. Box 94214
Baton Rouge, Louisiana 70804

Phone: (225) 342-0860

Email: producerlicensing@ldi.la.gov

Website: https://www.ldi.la.gov