How To Become An Insurance Adjuster In North Carolina

A house that is on fire, flooding, and has a meteor flying toward it

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 North Carolina


Step 1

Step 1. North Carolina Insurance Adjuster License Application

In North Carolina, the first step to get your insurance adjuster license is to apply for your license.

The fee for an online application is $169.

Apply online with the North Carolina Insurance Adjuster License ApplicationYou will be receiving an exam admission ticket and candidate ID in an email after twenty-four to forty-eight (24-48) hours after application.



Step 2

Step 2. Adjuster Pre-Exam Education

Preparation for this exam is not something to take lightly, as the average pass rate of insurance exams nationwide is around 55% for first-time test-takers, and even less for any following attempts. We want you to pass your test the first time you take it.

Studying for this exam can take many different forms. The most common way to get prepared is to take an online study course. These courses are generally comprised of video and text with short knowledge quizzes to make sure you have a comprehensive understanding.

A slightly more minimal approach would be to purchase a state-specific study guide. These guides give you all of the facts that you need to pass the exam and maybe a bit less expensive than a course. They are, however, quite long and densely packed books, so be sure you are ready to tackle this task.

You should choose the method that fits best for you. Some people learn best out of a book, while others take in information better through video and short text. Remember, the goal is to pass your exam on the first attempt, so pick your best path forward and study hard.


Recommended

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


Step 3

Step 3. North Carolina Insurance Adjuster License Exam

Once you have completed all your coursework and your application, you are now ready to take and pass the North Carolina 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.

North Carolina offers Independent Adjuster line, a Company/Independent Firm Adjuster line, and Hail Adjuster line.

  • The Independent Adjuster license exam consists of one hundred (100) questions, and you have two hours and fifteen minutes (2:15) to complete it.
  • The Company/Independent Firm Adjuster license exam consists of one hundred (100) questions, and you have two hours and fifteen minutes (2:15) to complete it.
  • The Hail Adjuster license exam consists of nineteen (19) questions, and you have thirty minutes (00:30) to complete it.

An outline of included subjects for these exams can be found here: Pearson Vue North Carolina Insurance Examination Content Outlines

Each attempt of the exam costs $45 and will be paid when you make your reservation.

A total score of 70% or more is required to pass this test. To further explain the scoring of these exams, we will quote the Pearson Vue North Carolina Insurance Licensing Candidate Handbook.

SCORE EXPLANATION

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 differences in form difficulty.

For example, for 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

The passing score of an examination was set by the North Carolina Department of Insurance (in conjunction with Pearson VUE) after a comprehensive study was completed for each examination. Raw scores are converted into scaled scores that can range from 0 to 100. To avoid misuse of score information, numeric scores are only reported to fail candidates. The scaled score that is reported to you is neither the number of questions you answered correctly nor the percentage of questions you answered correctly. With a passing score of 70, any score below 70 indicates how close the candidate came to passing, rather than the actual number or percentage of questions the candidates answered correctly.”

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 North Carolina Insurance page or by calling Pearson Vue at (855) 288-3161.



Step 4

Step 4. Application Review

Once you have submitted your application and passed the examination, 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 Pearson Vue 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.




North Carolina Department Of Insurance Contact Information

Mailing Address:

North Carolina Department of Insurance
Agent Services
1204 Mail Service Center
Raleigh, North Carolina 27699

Phone: (919) 807-6800

Fax: (919) 715-3794

Email: [email protected]

Website: http://www.ncdoi.com/




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. Huge Hammer LLC 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.