Insurance adjusters assess claims made to insurance companies and determine whether, and how much, an insurance company should pay a policyholder. Depending upon what kind of insurance company you work for, you could work in a variety of environments and may find yourself interacting with people during extremely stressful times.
Research your state's licensing requirements. Each state establishes its own educational and training requirements for insurance adjusters, and you need to complete these requirements before you can become licensed to work. Complete the training necessary. Many states offer licensing exam training courses or online coursework, and you won't be able to get licensed without this training.
Apply to take the licensing exam required by your state. You may need to meet certain eligibility requirements, such as completing high school or not having a criminal record. If you pass the exam, you can then apply for a license. This may require additional steps, such as getting character references or providing a work history, but in some states, passing the licensing exam is sufficient to become licensed.
Seek an internship. You'll need to have some experience and skills to make yourself competitive in the job market, and many insurance companies offer internships to newly-licensed adjusters. Your internship will also help to build your resume, which will make you more competitive in the job market. After you've built up your resume, begin applying for insurance adjuster jobs with individual insurance companies.
Tips & Warnings
- If you don't want to become an adjuster with an insurance company, you can become a public insurance adjuster instead. These adjusters provide independent estimates for consumers disputing the offers their insurance companies give them.
- You may need to take continuing education classes to maintain your license. These classes can also give you specialty training that will pad your resume and make you more appealing to employers.
- There is a high level of risk to being an independent adjuster. When the jobs are there, it's great. When they're gone, it's dicey.
- AdjusterPro: 5 Steps to Become an Insurance Adjuster
- U.S. Department of Labor Bureau of Labor Statistics: Claims Adjusters, Appraisers, Examiners and Investigators
- Michigan Department of Licensing and Regulatory Affairs: How to Become a Licensed Insurance Adjuster
- National Association of Public Insurance Adjusters: Frequently Asked Questions
How to Become an Insurance Adjuster
An insurance adjuster evaluates property damage claims on behalf of insurance providers to determine what, if any, amount is owed to claimants....