The process of obtaining your Oklahoma adjuster license only involves a few simple steps:

• Completing your adjuster pre-exam education
• Passing the Oklahoma Prometric adjuster exam(s) of your choice
• Submitting your licensing application to the Oklahoma Insurance Department

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

How to Become an Insurance Adjuster in Oklahoma

Getting your Oklahoma 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 your 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 Oklahoma, we believe that purchasing a pre-exam course can go a long way in ensuring that you pass your exam(s) on your first attempt.

Step 2: Oklahoma Insurance Adjuster License Exam

Once you have completed all of your coursework, you will be able to take (and hopefully pass) the Oklahoma 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.

Oklahoma offers a number of different lines for you to choose from for your exam. Some of the main ones include:

• The Property and Casualty Adjuster – Motor Vehicle Included line — This consists of 85 questions, and you have two hours and 25 minutes (2:25:00) to complete it
• The Casualty Only Adjuster line — This consists of 35 questions, and you have one hour (1:00:00) to complete it
• The Crop and Hail Adjuster line — This consists of 35 questions, and you have one hour (1:00:00) to complete it

Each attempt of the exam costs $20 and will be paid when you make your reservation.

The Prometric Oklahoma Insurance Department Licensing Information Handbook explains the scoring of the exam:

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 Prometric Oklahoma Insurance page or by calling Prometric at (888) 597-8223.

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

Step 3. Oklahoma Insurance Adjuster License Application

Once you have completed your exams and fingerprinting, you will be ready to apply for your independent adjuster insurance license.

You can apply online by using the Oklahoma Insurance Adjuster License Application. Submitting an online application incurs a fee of $30.

Step 4. Application Review

Once you have submitted your application and have completed all the other requirements, your Oklahoma license application will be reviewed by the state.

This process generally takes about five 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. Alternatively, you can also use the Oklahoma License Lookup tool in order to individually check this.

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.

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 Adjusters – Work for third-party business entities which have been contracted by insurance carriers in order to help them settle insurance 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.

Oklahoma Department of Insurance Contact Information

Mailing Address:

Five Corporate Plaza
3625 Northwest 56th, Suite 100
Oklahoma City, Oklahoma 73112

Phone: (405) 521-2828

Fax: (405) 521-6635

Email: licensing@oid.ok.gov

Website: http://www.ok.gov/oid