How To Become An Insurance Adjuster In South 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 South Carolina


Step 1

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

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


Step 2

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.

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



Step 3

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

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: [email protected]

Website: http://www.doi.sc.gov/




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.