How To Become An Insurance Adjuster In Mississippi
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 Mississippi
Step 1. Adjuster Pre-License Education
The first step in getting a Mississippi 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 twenty (20) hours of pre-license education for any of the insurance adjuster lines offered in Mississippi.
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. Mississippi Insurance Adjuster License Exam
The next step after completing your pre-licensing requirement is to take and pass the Mississippi 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.
Mississippi offers a Property and Casualty with Workers’ Compensation Adjuster line and a Workers’ Compensation Adjuster line.
- The Property and Casualty with Workers’ Compensation Adjuster license exam consist of sixty (60) questions, and you have two hours (2:00) to complete it.
- The Workers’ Compensation Adjuster license exam consists of fifty (50) questions, and you have two hours (2:00) to complete it.
An outline of included subjects for these exams can be found here: Pearson Vue Mississippi Examination Content Outlines.
Each attempt of the exam costs $52 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 Mississippi Insurance Licensing Candidate Handbook:
The passing score of the exam is determined by the Mississippi Insurance Department. Through standardization and control, Pearson VUE ensures that no individual has an unfair advantage because of a particular examination format. The passing score required on the Life only, Accident & Health or Sickness only, and the Life, Accident & Health or Sickness (combined) Producer examination is 65%. The passing score required on all other examinations is 70%.”
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 Mississippi Insurance page or by calling Pearson Vue at (888) 293-4222.
Step 3. Mississippi Insurance Adjuster License Application
Once you have completed your pre-licensing requirement and passed your examination, you are now ready to apply for your license.
The fee for an online application is $100.
Apply online with the NIPR – Mississippi Insurance Adjuster License Application or with the Sircon – Mississippi Insurance Adjuster License Application.
Step 4. 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 five (5) 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.
Mississippi Department Of Insurance Contact Information
Mississippi Insurance Department
P.O. Box 79
Jackson, Mississippi 39205
Phone: (601) 359-3582
Fax: (601) 359-1951
Email: [email protected]
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