5 Steps to Becoming an Insurance Adjuster in Texas
Like Florida, where inclement weather keeps insurance adjusters in high demand, the state of Texas works hard to keep the process for becoming an adjuster fairly simple. While becoming an adjuster does not necessarily require a college degree, Texas does require that all adjusters be appropriately licensed. So, you ask, how does one get such a license?
Step 1 – Meet the Requirements
- Be a United States citizen or legal alien who possesses a work authorization from the United States Immigration and Naturalization Service.
- Be at least 18 years of age
- Be a resident of the state of Texas.
OR Be a resident of a state that does not offer licensing for insurance adjusters. (If you live in a state that does offer licensing for insurance adjusters, you must secure your own state’s license first).
Step 2 – Choose Your License Type:
Texas offers only two (2) lines of authority for insurance claims adjusters:
- A Property & Casualty (P&C) Adjuster; or,
- An “All-Lines Adjuster”.
A properly licensed “Property & Casualty” Adjuster is authorized to handle residential and commercial property, personal and commercial automobile claims farm & ranch claims, and inland and ocean marine claims
The “All-Lines Adjuster” license includes official authorization to handle property and casualty (P&C) claims for commercial and residential property claims, personal and commercial automobile claims, farm and ranch claims, inland and ocean marine claims, and claims for workers’ compensation benefits. Unless you’ve been directed otherwise by a prospective employer, we strongly recommend that you set your sights on the Texas “All-Lines Adjuster” License, because it allows you to handle a wide variety of claims, which makes you much more marketable (i.e., “valuable”) to insurance carriers and adjusting companies that serve the insurance industry.
Step 3 Choose and Complete Your Path to Licensure:
There are two primary paths to getting an adjuster license in the state of Texas.
- Study and sit for the Texas adjuster exam administered by Pearson Vue; or,
- Complete and pass an approved Texas All-Lines Adjuster Pre-Licensing Course.
Most people choose the licensing course. The primary advantage is that the course provides you with more information than merely studying for an exam and the course waives the state exam requirement. Certified licensing courses must contain 40 hours of material and the licensee must pass the monitored* final exam. It’s important to note, though, that not all licensing courses are created equal. While all certified courses fulfill the criteria to apply for your adjuster license, not all of them will adequately equip you to work as an adjuster. Insurance companies are expecting you to be productive the moment you start work. While you will receive some training on the company’s systems and practices, you should already have a strong foundation and understanding of claims adjusting policies and principles. The more prepared you are to jump into claims handling situations, the more desirable you will be as a candidate for employment and the more valuable you will be as an employee. The course that you choose to secure your license can make all the difference in your success as an adjuster.
AE21’s Texas All-Lines Adjuster Pre-Licensing Course is second to none. It walks you through all aspects of being a new adjuster and provides the foundation you will need to be confident and productive from your very first day on the job. The product of 3 generations and over 60 years of combined claims adjusting experience, this online program is the finest and most comprehensive licensing program available anywhere in the United States. The building-block or “reinforced-learning” approach provides an unparalleled learning experience allowing you to not only earn your license, but to have developed a solid foundation of claims knowledge that will be applicable to all lines of insurance and claims adjusting.
*Texas does require that the course’s final exam be monitored. It can be anyone who is not related to or a subordinate of the applicant. For people working at home, it could literally be a friend or neighbor. The applicant and monitor have to sign a monitor affidavit that must be notarized and sent to the course provider before a Certificate of Completion can be issued.
Step 4 Submit Fingerprints for background check throughIdentoGO.
Step 5 Submit Your Application Online:
- Once you have passed the course and completed fingerprints you may then complete the online application. You will submit your course Certificate of Completion with the application as well as a copy of the IdentoGO receipt showing that your fingerprints were sent to the Texas Department of Public Safety. You will also pay $50 application fee. For more info see: https://www.tdi.texas.gov/agent/adjuster-all-lines-apply.html
Once you have your license, you’ll need to complete some additional steps every few years to keep it active. Resident Texas adjusters are required to complete 24 hours of continuing education (CE) every two years to renew their license. Licenses must be renewed every two years, on the last day of the licensee’s birthday month. Don’t worry, we’ve got your covered! AE21 Offers continuing education courses for Texas adjusters. Check out the full course catalog here: https://ae21.com/claims-training-ce/Texas/
To find out more and get started on your new path to being a Texas Adjuster today visit ae21.com