How to Become an Insurance Adjuster in South Carolina

Written by: Kevelyn Rodriguez

Cartoon man holding South Carolina Insurance Adjuster

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

    South Carolina requires an adjuster to successfully pass an exam before obtaining a license. To become an insurance adjuster in South Carolina, 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 South Carolina 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 South Carolina

    Getting your South Carolina 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-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 Course

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

     

    Step 2. South Carolina Insurance Adjuster License Exam

    The next step after completing all your coursework is to take and pass the South Carolina Insurance Adjuster License exams. 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.

    South Carolina offers Property, Casualty, Surety, and Marine Insurance Adjuster line, Crop Hail Insurance Adjuster line, Workers Compensation Insurance Adjuster line, Personal Lines Adjuster and Commercial Lines Adjuster.

    • The Property, Casualty, Surety, and Marine Insurance Adjuster license exam consists of one hundred (100) questions, and you have two hours (2:00) to complete it.
    • The Crop Hail Insurance Adjuster license exam consists of fifty (50) questions, and you have one hour (1:00) to complete it.
    • The Workers’ Compensation Insurance Adjuster license exam consists of seventy-five (75) questions, and you have one and a half hours (1:30) to complete it.
    • The Personal Lines Adjuster license exam consists of one hundred (100) questions, and you have two hours (2:00) to complete it.
    • The Commercial Lines Adjuster license exam consists of one hundred (100) questions, and you have two hours (2:00) to complete it.

     

    An outline of included subjects for these exams can be found here:

     

    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. For more information on the scoring of the exam, we will quote the PSI South Carolina Department of Insurance Licensing Examination Candidate Information Bulletin

    SCORE REPORTING

    Your score will be given to you immediately following completion of the examination. In order to pass the examination, you must achieve a minimum score of 70%. The following summary describes the score reporting process:

    • On screen – your score will appear immediately on the computer screen. This will happen automatically at the end of the time allowed for the examination;

    – If you pass, you will immediately receive a successful notification

    – If you do not pass, you will receive a diagnostic report indicating your strengths and weaknesses by examination type with the score report

    • On paper – a score report will be printed at the examination site”

    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 PSI South Carolina Insurance page or by calling (800) 733-9267.

     

    Step 3. South Carolina Insurance Adjuster License Application

    Once you have completed all your coursework and passed the examination, you are now ready to apply for your license.

    The fee for an application is $80.

    Apply online with the South Carolina Insurance Adjuster License Application.

    You must also complete the South Carolina Law Enforcement Division (SLED) report.

    You may select to have the South Carolina Department of Insurance pull your SLED report when completing the online application.

    The fee to pull a SLED report is $26.

     

    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 three to five (3-5) business days. Depending on the results of your background check, the Department of Insurance may request more information or documentation.

    Visit South Carolina License Lookup to determine if your license has been issued.

     

    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.




    South Carolina Department of Insurance Contact Information

    Mailing Address:

    South Carolina Department of Insurance
    P.O. Box 100105
    Columbia, South Carolina 29202

    Phone: (803) 737-6160

    Fax: (803) 737-6231

    Email: agntmail@doi.sc.gov

    Website: http://www.doi.sc.gov/




    South Carolina Insurance Adjuster License FAQ

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

    In South Carolina, 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 South Carolina.

     

    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 South Carolina 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 South Carolina 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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