How to Become an Insurance Adjuster in Mississippi

Written by: Kevelyn Rodriguez

Cartoon man holding Mississippi Insurance Adjuster

    Getting a Mississippi insurance adjuster license requires completing a few steps to apply for a resident license in your state.

    Mississippi requires an adjuster to successfully pass an exam before obtaining a license. To become an insurance adjuster in Mississippi, simply complete the steps below to get your insurance adjuster license.

     

    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 provides four easy steps on how to get a Mississippi insurance adjuster license. These steps cover the process of applying for a standard insurance claims adjuster license (sometimes known as an independent adjuster license).

     

    How to Get Your Insurance Adjuster License in Mississippi

    Getting your Mississippi insurance adjuster license is a simple and easy process. Follow these 4 easy steps to get started. Don’t forget to bookmark this page so that you can refer to it again throughout the process.

     

    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.

    Recommended Course

    For adjuster pre-licensing and study materials, StateRequirement recommends: Kaplan Education Company

     

    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:

    SCORE EXPLANATION

    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.

    Tip:

    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 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.

     

    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 (5) minutes and celebrate.




    Mississippi Department of Insurance Contact Information

    Mailing Address:

    Mississippi Insurance Department
    P.O. Box 79
    Jackson, Mississippi 39205

    Phone: (601) 359-3582

    Fax: (601) 359-1951

    Email: licensing@mid.ms.gov

    Website: http://www.mid.ms.gov




    Mississippi Insurance Adjuster License FAQ

    How long does it take to become an insurance adjuster in Mississippi? 

    In Mississippi, the process of insurance adjuster licensing can range from a few weeks to a few months (pre-exam education, pre-license exam, background checks, license application, and application review). Follow the steps above to get your insurance license in Mississippi.

     

    Do you need a license to become an insurance adjuster?

    Yes. Earning an insurance adjuster license allows you to increase your income potential, add to your credibility, and qualify for advanced employment opportunities.

     

    Is being an insurance adjuster difficult?

    Being an insurance adjuster can be a highly rewarding role. In fact, insurance claims adjusters enjoy their work and report high levels of job satisfaction, according to Payscale.

     

    How much do insurance adjusters make?

    According to the Bureau of Labor Statistics, the most recent median annual salary for claims adjusters, examiners, and investigators was $65,080. This was higher than the median salary for all occupations in May 2021, which was $45,760. The highest earners worked for the government, with a median salary of $81,890.

    If you want to work as a catastrophe (CAT) adjuster in areas frequently affected by natural disasters (like the Gulf Coast), you will likely have higher earnings potential and employment. For independent insurance adjusters that work on commission rather than salary, the high demand for claims adjusters in these areas can result in a lot of business.

     

    What skills are needed to be an insurance adjuster?

    Insurance claims adjusters typically investigate insurance claims and travel to locations to inspect property (such as automobiles, buildings, etc.), assess damage, and make notes on repairs and costs. Insurance adjusters deal with individuals in high-stress situations a lot so you must have a professional attitude at all times.

    Due to the nature of the job, insurance claims adjusters must have excellent communications skills, write clearly, be comfortable with math and basic computer software, and have a flexible schedule since they travel a lot to areas hit by disasters with irregular work hours. Insurance adjusters must have specific industry knowledge to interpret contracts, determine insurance claim payouts, and make recommendations for how the insurance company proceeds in resolving the claim.

     

    Do you need a degree to be an insurance adjuster?

    You don’t need a four-year degree to become licensed as an insurance adjuster. However, you will need to complete your education requirements or pass the Mississippi insurance adjuster exam to be a licensed insurance adjuster.

    One of the prerequisites to fulfill your education requirements is to complete a minimum number of hours of college level insurance-related coursework. If you are working on an associate’s or bachelor’s degree, you can take courses that will work toward the Mississippi insurance adjuster license requirements.




    Information on this page has been gathered by a multitude of sources and was most recently updated in July 2022.

    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. StateRequirement is not affiliated with any state, government, or licensing body. For more information, please contact your state's authority on insurance.

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