How to Become an Insurance Adjuster Online
In order to become an insurance adjuster, you have to obtain your state license. More and more incoming insurance adjusters receive their pre-licensure training from online courses. These courses will teach you property and casualty insurance, financial assessment of damaged property, state laws and regulations concerning insurance, and worker's compensation insurance. The highlight of an online program is that it can last as little as three or four days.
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Things You'll Need
- Online Insurance-Adjuster Program
- Insurance Claims-Adjuster State License
- Apprenticeship with Licensed Insurance Claims Adjuster
Instructions
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Find an accredited claims adjuster online training program in your state. These courses are usually called pre-licensing courses, because they give you the training you need for your final licensure exam. Check if your local community college offers an online program, or see Resources for a link to a directory of online adjuster programs.
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Know that the average insurance-adjuster course entails 30 to 40 hours, along with an online final examination that gives you state licensure. Many online programs can last as little as three days, though they are often all-day sessions.
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Complete your online program and take your final exam to obtain your licensure. Again, this exam is online and lasts about several hours.
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Apply to your state Department of Insurance for an insurance-adjuster license. Depending on your preference, you will either apply for an Independent Adjuster (independent contractor) license or an or Employee Adjuster (staff insurance adjuster) license.
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Receive your Certificate of Completion in the mail. This certificate asserts that you have completed your training course and are now a state-licensed insurance claims adjuster. You can now find a job with an insurance company or work as an independent contractor.
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Tips & Warnings
During your training, apprentice yourself to a claims adjuster who works as an independent contractor. This person can directly teach you how to do assessments on damaged property and how to process claims. Learn Xactimate 25 software, also called Sketch. Xactimate 25 is the industry-standard software for insurance adjustments. Many online programs do not include training in this software, so make sure you learn it from a licensed claims adjuster.
Make sure you enter an online program that meets your state's requirements for licensed insurance adjusters. Remember, you don't have to take your state licensure exam for adjusters because your school's final exam is designed to meet state requirements.
