FAQ

Texas License is reciprocal in 45 states

Claims adjusters investigate insurance claims by interviewing the claimant and witnesses, consulting police and hospital records, and inspecting property damage to determine the extent of the company’s liability. Adjusters may handle “property claims” involving damage to buildings and structures, or “liability claims” involving personal injuries or third-person property damage from liability situations, such as motor vehicle accidents, slip and falls, dog bites, or alleged negligent behavior. Some adjusters handle both types of claims and are known as “Multi-Line” adjusters. Also “All Lines Adjusters” may handle “any” type of claim already identified and also include Professional Liability, Hospital Professional Liability, Excess Liability, Physicians and Surgeons Liability, Aircraft Liability/Hull, Inland Marine, Ocean Marine, Boiler and Machinery, Farm and Ranch, as well as various types of Bond Losses.

As an Independent Insurance Claims Adjuster, you would be responsible for calling and meeting with the insured, scope the damage, and writing and submitting an estimate to the insurance company, and then you get paid from the company that you work for based on the companies fee schedule that is part of the contract the company has with the insurance carrier they represent. It's all based on the size of the claim because a $100,000 claim takes longer to scope the damage and data enter the findings into Xactimate than a $10,000 claim. Also, $1000 per day is a conservative figure for an adjuster. An efficient adjuster can make more than double that amount.

You need an understanding of insurance policies, the physical ability to scope/inspect a property (including evaluation, measuring, photo documenting) and put the information on a computer program, that we will teach you how to use. Climbing roofs Insurance claims adjusters have a mixture of office and field work, sometimes requiring out of town travel. Workweeks can be highly variable, based on the need to meet clients in evenings and on weekends, or to handle a rash of claims pursuant to a natural disaster or severe weather event.

As a Licensed Independent Adjuster (IA) you will work for Adjusting Firms. The Firms have contracts with insurance companies and will assign you jobs as they are submitted by the insurance companies. There are numerous specialized jobs you can get with this license including estimating residential and commercial property, auto, marine, flood, fire claims, and much more. This is the best license to get with the most options available to you.

You will want to fill out the Texas Department of Insurance application and send it with your certificate of completion that we will provide you once you finish and pass the Pre-licensing test. You can either mail it in with your fingerprints or you can go to any Identigo location nearest to you and do it all at one time. We will give you step by step directions to expedite the process. The Texas Department of Insurance is the best single license to have. You can use it in 45 states.

You will place yourself on the rosters of these firms and we will recommend you to any firms that want good, trained, licensed adjusters when needed. The adjusting firms will call you when there is a daily claim available in your area or when a storm hits. You can also work as an Xactimate professional and enter the information for the outside adjuster. You can travel the country alone, with your spouse, or with a friend and be a “Storm Chaser”. There are so many different career paths you can choose with your All-Lines Adjuster License, just select the one that fits your personality. After gaining field experience on your first assignments, you will most likely develop a business relationship with one or two adjusting firms that you prefer to work for on a continual basis, but you have the choice of working as an IA for any company you desire.

If a storm or significant catastrophe hits any part of the nation, most adjusters are deployed immediately. Hurricane season is the best time for a newcomer to get their first job. Other times are during dry seasons when fires or winter storms hit. If no storms hit, you can do daily claims for insurance companies. There are hundreds of claims every day made by people who have leaks, broken tiles, water damage, slip and fall, etc. After having at least one assignment under your belt, you will have an easier time picking and choosing your workload.

No special skills or tools are required for the class. You will need a laptop computer to use the Xactimate estimating software. Please see the “Details” on our Xactimate class page for the System Requirements. Those that have either a little construction background or computer proficiency will have an edge in the beginning, but you will learn everything you need to get started when you take the pre-licensing course package.

Go to TeamNato.com Under the tab “NATO Combo Package” link. to preview training options.

Study at your place and at your pace! For all the Training Manuals except the Pre-license manual which is a mandatory 40 Hour Virtual Class and the test will be administered after you meet the requirements. You can study all of the other training manuals from the comfort of your home. It is permissible to take four days to learn the course knowledge needed to pass the test. Study the (pre-licensing portion) for at least 40 hours of study and prepare yourself to pass the 150 questions Texas All Lines license test.

Be 18 years old or older and meet state requirements at this link https://www.tdi.texas.gov/agent/adjuster-all-lines-apply.html#fingerprint

There are no requirements with regard to experience. To work as an insurance claims adjuster, you need only hold an insurance adjuster license. To acquire an adjuster license, the Texas Department of Insurance requires either:
a) the completion of the state examination and complete our certified 40 hours of live Virtual class (this is mandatory) and pass our approved Texas All Lines test of 150 questions. You must have a 70% or higher score to pass and get the license. Since it is realistically requires more time and cost to learn the information on your own, and the state exams are notoriously difficult. The least expensive, quickest, and most practical choice is to take our course. In addition, you will learn more by taking our courses taught by experienced licensed adjusters.

The adjuster pre-licensing course fulfills all requirements needed to successfully apply for an adjuster license. It is simply a matter of completing the application (provided in our course) with the Texas Department of Insurance. No further testing or course work is necessary. Depending upon the volume of applications online they process, you should expect your insurance adjuster license usually within 1 week.

You can also visit- www.tdi.texas.gov or call them at (512) 676-6000

At the time of this post-
To the best of our knowledge, the following states do not require an adjuster license to operate in their state: Colorado, District of Columbia, Illinois, Iowa, Kansas, Maryland, Missouri, Nebraska, New Jersey, North Dakota, Ohio, Pennsylvania, South Dakota, Tennessee, Virginia, and Wisconsin. Still, Insurance carriers will require that residents of these states hold a license before allowing them to delegate millions of dollars of insurance money to claimants on a weekly basis. The Texas state license is the most practical choice, it is based on national insurance standards. You will be able to use this license in 45 states. A complete list of each state and their licensing requirements will be available during our course.

We get this question all the time and asked ourselves the same thing. This career has always been kept low key. Independent claims adjusting is an exciting, lucrative, and relatively unknown occupational niche in the insurance industry. Most people do not know where to get the license or where to join the rosters of the hundreds of thousands of active adjusters. Being an independent claims adjuster is a rich source of income. For that reason, those within the industry are more inclined to only tell their friends and family. And because of this, there is actually a shortage of adjusters in the industry, specifically during seasons with bad weather. Career adjusters are constantly retiring out of the profession (in wealth and luxury), so newcomers are always welcome!