How To Become An Insurance Adjuster In Nevada
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 Nevada
Step 1. Adjuster Pre-License Education
The first step in getting a Nevada 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 Nevada.
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. Nevada Insurance Adjuster License Exam
The next step after completing your pre-licensing requirement is to take and pass the Nevada Insurance Adjuster License exam. Depending on the lines of authority you wish to carry, you may need to take more than one 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.
Nevada offers a Property and Casualty Adjuster line, and a Workers’ Compensation Adjuster line, and a Staff/Company (Workers’ Compensation) Adjuster line.
- The Property and Casualty Adjuster license exam consists of ninety (90) 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 one hour (1:00) to complete it.
- The Staff/Company (Workers’ Compensation) Adjuster license exam consists of sixty (60) questions, and you have one hour (1:00) to complete it.
An outline of included subjects for these exams can be found here: Pearson Vue Nevada Insurance Examination Content Outlines.
Each attempt of the exam costs $45 and will be paid when you make your reservation.
A total score of 80% or more is required to pass this test. To further explain the scoring of these exams, we will quote the Pearson Vue Nevada Insurance Licensing Candidate Handbook
Equating and Scaling
There are multiple versions of each of the licensing examinations. These versions are known as forms. Although all forms of an examination are developed based on the content outlines, the difficulty of the forms of an examination may vary slightly because different questions appear on each form. To ensure that no candidate is put at an unfair advantage or disadvantage due to the particular form of an examination that he or she is given, a statistical procedure known as equating is used to correct for differences in form difficulty.
For example, in an examination with two (2) forms, Form A and Form B, the state licensing agency determines that answering 30 questions correctly on Form A demonstrates the minimum amount of knowledge necessary to be licensed. It is further determined through the equating process that Form B contains slightly more difficult questions than Form A; therefore, answering 30 questions correctly on Form A would indicate the same level of knowledge as answering only 28 questions correctly on Form B. Under this set of circumstances, a score of 30 questions correct would be used as the passing score on Form A whereas a score of 28 questions correct would be used as the passing score on Form B.
A second statistical procedure known as scaling is used to derive the numerical score to report for each candidate. Scaling is used to place a raw score on a common reporting scale on which each scaled score represents a given level of knowledge regardless of the difficulty of the form on which the raw score was achieved.
To illustrate how scaling works, suppose that in the examination example used above, the state licensing agency decides to use a score of 500 as the passing score for reporting purposes. (Note that the score selected to be used as the reported passing score is not related to, and has no bearing on, the difficulty of the examination.) Based on the information provided above, a raw score of 30 on Form A would translate to a scaled score of 500; a raw score of 28 on Form B would also translate to a scaled score of 500 since a raw score of 30 on Form A represents the same level of knowledge as a raw score of 28 on Form B.
Scaled Score and Percent Score
The passing score of an examination was set by the State of Nevada Insurance (in conjunction with Pearson VUE) after a comprehensive study was completed for each examination. Currently, the State of Nevada Insurance uses a scaled cut of 80 for all examinations except for the Bail Bonds exam. Raw scores are converted into scaled scores that can range from 0 to 100. The scaled score that is reported to candidates is neither the number of questions they answered correctly nor the percentage of questions you answered correctly. With a passing score of 80, any score below 80 indicates how close the candidate came to passing, rather than the actual number or percentage of questions the candidates answered correctly. Nevada Administrative Code 697.125 requires that an applicant for a license as a bail bondsman, bail solicitor or property bondsman achieve a score of at least 67 percent to pass the licensing examination. For Bail Bond exams, it is the percentage of questions answered correctly on the examination. Candidates need to answer 67% of questions correctly in order to pass the examination. As such, a percent correct score is printed on the candidate score report for the Bail Bonds exam and a scaled score is printed on the candidate score report for all other Nevada Insurance exams.”
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.
Note: 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 Nevada Insurance page or by calling Pearson Vue at (800) 274-2609.
Step 3. Fingerprinting and Background Check
The State of Nevada requires that all insurance license applications provide fingerprints prior to licensing. 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 Nevada Division of Insurance at (775) 687-0700 or visit their website.
You must make your fingerprinting reservations through IdentoGO. Appointments can be made on their website or by phone at (866) 761-8069.
At your fingerprinting appointment, you will not receive a fingerprint card, as the information will be automatically sent to the reviewing authorities. You will, however, receive a receipt. Do not throw this receipt away. You need to make a copy of this receipt, as you will be sending it in a later step.
Step 4. Nevada Insurance Adjuster License Application
Once you have completed your pre-licensing requirement and examination, the next step is applying for your license.
The fee for an application is $185.
Apply online with the Sircon – Nevada Insurance Adjuster License Application or with the NIPR – Nevada Insurance Adjuster License Application.
Be sure to upload your fingerprint receipt from IdentoGO and the signed Nevada Fingerprint Waiver Form with your 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 two to six (2-6) weeks. 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 point of application (NIPR or Sircon) 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.
Nevada Department Of Insurance Contact Information
Nevada Division of Insurance
1818 East College Parkway, Suite 103
Carson City, Nevada 89706
Phone: (775) 687-0700
Fax: (775) 687-0797
Information on this page has been gathered by a multitude of sources and was most recently updated on March 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.