How to Become a Claims Adjuster – A Step-By-Step Guide: - Adjuster University (2024)

Learning how to become a claims adjuster could be exactly what you need if you hope to have a lucrative career in the field. A claims adjuster can work for an employer or can work independently. As an independent adjuster, you set the hours you wish to work, your rates, and the locations or type of work you hope to do. There are a lot of opportunities for those in this field. Could this be the career path for your needs?

Understand What a Claims Adjuster Does

If you are thinking about becoming a claims adjuster, you may be in the industry in some way right now, such as working as a general contractor or working as an inspector for the city. You may have no experience at all in the field but want to learn. The first step then is to understand what an adjuster is tasked with doing on a consistent basis.

The typical task involves investigating insurance claims to determine the cost to repair so that insurance companies can determine how much they are required to pay towards those losses. The work you do will be to help the insurance company, typically, determine the extent of their liability towards the incident.

Most often, insurance companies work traditional business hours but could be working on the weekend or later in the evening when calls come in. There is still ample flexibility when working in this field if you are an independent claims adjuster.

Some of the tasks you can expect to do as an independent claims adjuster include the following:

· Gather information about the event, such as police reports, medical records, and other documentation that showcases what occurred

· Talk to witnesses and claimants to gather information

· Investigate the scene of the event, such as the property that is damaged

· Gather information about the type of repairs that will be necessary

· Create an estimate of the work that needs to be done

· Sketch out the loss in drawings and through the use of photos

· Estimate the cost of repairs based on local facts and figures

This type of work can differ depending on each individual case. What is nearly always a part of the job is working to understand how to get the property back to the condition it was in and estimating the liability of the insurance company in that incident.

How to Become a Claims Adjuster

To do this type of work, there are two key things individuals need. The first is the ability to interpret what you see in the field into usable data that can help you to develop claims. That means having a background in the industry or the ability to learn it.

Whether you’re an absolute beginner or an experienced professional looking to advance your skills, you can check out our free webinar where we show you step-by-step how to build a successful career as an independent insurance adjuster.

You also need to have proper training on the software necessary to work as a claims adjuster. While there are a lot of options out there, you really want to ensure you are using the most innovative and accessible tool to achieve that. For most people, that is the Xactimate program.

Gaining Working Knowledge

Most of the time, you will need to complete some skills in the construction industry. That way, you have the necessary information and skills to know what is occurring. You can do that in various ways. When it comes down to it, the key is you need to be able to obtain your license to do this work.

If you do not have that type of working skill, it is always a good idea to get it. Start with looking into trades programs. You can often find programs locally that can give you a hands-on education in claims adjusting.

In many cases, you can specialize. For example, some adjusters specialize in marine environments because that is what their background is. Others know the industrial and manufacturing sector well. Many will do work within the auto sector or residential property adjusters.

Get Your License If Needed

Not all states require that you have a claims adjuster license. Be sure to check this with your state to determine if it is necessary. Most states do require this.

There are some states that do not, including:

· Colorado

· Illinois

· Iowa

· Kansas

· Maryland

· Massachusetts

· Missouri

· Nebraska

· New Jersey

· North Dakota

· Ohio

· Pennsylvania

· Virginia

· Wisconsin

Be sure to verify this with your state. Laws can change over time. Once you know if you need a license, consider the following steps.

Your state requires a license

In this situation, you need to obtain your state license as a first step. Learn what the state requires of you prior to this – such as any type of educational requirements. Even if there are no requirements, it is critically important that you take a course and get some insight into the expectations and laws surrounding claims adjustment. This is a big area of the field, and you want to ensure you don’t waste your time on a licensing exam if you are not ready for it.

Your state does not require a license

If your state does not have a requirement for you to obtain a claims adjuster license, you will likely need to have a license if you plan to work outside of your state. Also, just doing the work of a licensing course is going to give you more of the experience you need to do well in the field.

Many claims adjusters will go from place to place, such as tracking where storms exist to provide support for insurance companies. That means having your license ensures you can easily do that without any real complications (this could increase your earning power when you have the ability to be more flexible like this).

Ready to Test

Once you are ready to take your test for your license, you will need to follow your state’s requirements for doing so. The adjuster exam, if required, can be complex and in-depth. Once you obtain an application from your state, complete it, and submit any additional requirements, you can sit for the example.

Completing Your Software Training

There is much more to learning to be a claims adjuster than just completing your license (though that is a necessary step). The fact is, without in-depth education on how to do the job, it is hard to do it well.

There are various options available at this point. If you plan to work directly with an insurance company as an employee, they will provide you with that information and training. Keep in mind working as an employee is an option, but it is not as lucrative nor as flexible. It also takes applying for the job, being qualified and background checked, and then getting hired before you can complete any additional training.

Instead, consider getting training for the software you will use (and building your business) from a third party. At Adjuster University, we provide you with all of the training you need. That includes Xactimate training.

Xactimate training is a very important component of becoming a claims adjuster, especially if you are going to work for yourself to create your own business. This is one of the leading software programs used by claims adjusters in the field, and quite frankly, it is a necessary tool because of how comprehensive it can be.

Xactimate Training

Xactimate training will teach you how to use the program, including:

· Becoming fluent in graphical estimating

· Uploading, labeling, and managing inspection photos and documents

· Mastering all of the interface and functions of Xactimate

· Using the sketching tools for room building

· Utilizing the automation features

The entire process can be highly beneficial to improving your business skills and improving your ability to provide professional estimates to your clients.

Building Your Business

With your training, your license, and your Xactimate training, you may be ready to start building your business. It is time to flex your skills and start working to serve your clients. To build your business, you will need to learn the ins and outs of the industry and get tips for finding clients, building up your skills, and working to minimize risks. This is an industry where there is a lot to learn, and experience in the field is exceptional. Having a skilled and highly experienced team to help you get that extra skill can make a difference.

At Adjuster University, we can help you with our training programs. Take a few minutes now to check them out and start learning about how to build a six-figure business as a claims adjuster.

It takes a lot to become a claims adjuster. The entire process is very rewarding and worth the investment. You can learn how to become a claims adjuster with us at Adjuster University and be ready to start building your business in a matter of months. We highly recommend getting started now, as the demand for adjusters is rapidly increasing.

How to Become a Claims Adjuster – A Step-By-Step Guide: - Adjuster University (2024)

FAQs

Does New York require an adjuster's license? ›

In New York State, businesses or people that investigate and adjust insurance claims need a license. Contact the New York State Department of Financial Services for more information.

Can I take the NY adjuster exam online? ›

Step 3: Take and Pass the New York Adjuster License State Exam. PSI Exams Online is the testing provider for New York. You will need to create an account on their website and pay the $33 fee.

Do you need to know math to be a claims adjuster? ›

Analytical skills – being able to analyze information and use logic in a careful manner to determine the proper outcome of each claim. Math skills – having enough math aptitude to calculate property damage. Software skills – knowing how to use relevant, independent adjuster software to close claims quickly.

How do I prepare for a claims adjuster? ›

How to Prepare for a Meeting with an Insurance Adjuster
  1. File Necessary Reports with the Police or Fire Department. ...
  2. Take Clear Photographs of the Damage. ...
  3. Make Temporary Repairs that Prevent Further Damage. ...
  4. Create or Submit Your Home Inventory. ...
  5. Gather All Documents and Receipts. ...
  6. Showcase Evidence for Your Claim.

Is the New York adjuster exam hard? ›

If you've heard that this exam is the toughest in the country, you've heard right. To master the New York Independent General Adjuster license exam, we must first understand the unique challenges posed by this notoriously tough exam and why AE21′s updated course is your key to conquering it.

Are claims adjusters stressful? ›

Insurance claims adjusting is a high-stress job that can be mentally and emotionally draining. Claims adjusters often work long hours, handle difficult clients and situations, and have to manage multiple claims simultaneously. All of these factors can lead to stress and burnout.

How many questions are on the NY adjuster exam? ›

Students will need to register and take the New York state exam through PSI https://www.psiexams.com/. The exam is 150 questions. Students have 160 mins.to complete the exam.

How long is the NYS insurance exam? ›

Depending on which line of insurance you are testing on, the amount of time and number of questions on the exam vary. Exams will last 1 to 2.5 hours and can have 50 to 150 questions. What score do I need to pass my state exam? For all insurance exams, you need a score of 70% or higher to pass.

How many questions is the NYS insurance exam? ›

Exam Format
New York Exam Information
Exam CodeExam NameTotal Questions
17-54Personal Lines Insurance Agent/Broker100
17-62Public Adjuster60
17-63Independent Accident and Health Insurance Adjuster60
18 more rows

What personality type is best for claims adjusters? ›

ENTP's are particularly well suited for careers as insurance adjusters, examiners, and investigators because they enjoy working in fast-paced challenging environments and because this career is based on problem solving and is highly dynamic, ENTP's can be constantly engaged and developing new skills.

What skills are needed for claims adjusting? ›

Adjusters must consider various pieces of information to reach a decision. Communication skills. Claims adjusters and investigators must get information from a range of people, including claimants, witnesses, and medical experts. They must know the right questions to ask in order to gather the information they need.

How do I succeed as an insurance adjuster? ›

Self-discipline – essential for working independently. Project Management – the ability to work on multiple claims simultaneously. Computer Skills – proficiency in typing and using certain independent adjuster software programs. Excellent Organization – since sloppiness can lead to costly errors.

How to pass a claims adjuster interview? ›

By practicing effective communication, acknowledging all concerns, and reviewing assessments when necessary, candidates can de-escalate potential conflicts and devise effective solutions. What to listen for: Ability to maintain professionalism in stressful situations. Excellent communication skills.

How to become a claims adjuster in NY? ›

New York Adjuster License Requirements:

Pass the NY state exam administered by PSI Testing Centers. Complete the New York Insurance Adjuster License application and submit with applicable fees. Submit fingerprints and undergo basic background check. No Continuing Education is required.

What are the pros and cons of being an insurance claims adjuster? ›

Being an insurance claims adjuster is like being a tightrope walker.
  • Upside #1: Variety is the Spice of Life. As an insurance claims adjuster, you'll never be bored. ...
  • Downside #1: Everyone is Unhappy to See You. ...
  • Upside #2: You're the Hero. ...
  • Downside #2: The Paperwork. ...
  • Upside #3: Job Security. ...
  • Downside #3: The Hours.
Apr 21, 2023

Is New York a reciprocal state for insurance licenses? ›

You can read more about the importance of reciprocity in our Reciprocity: The Truth About Licensing Agreements article. It's also important to note that reciprocity doesn't always go both ways. For example, New York doesn't offer reciprocal licenses to licensed adjusters from any other state.

What is a public adjuster in NY? ›

Adjuster Licensing, Individual/TBA – Independent or Public

A Public Adjuster is any person, firm, association or corporation who acts on behalf of an insured in negotiating the settlement of a claim or claims for loss or damage to property of the insured.

What license do you need to sell insurance in NY? ›

The New York Department of Financial Services (DFS) requires each person selling insurance in the state to hold an insurance license.

What are the fees for public adjusters in NY? ›

11, §§ 25.7 (Regulation 10), "No public adjuster shall charge any insured a fee in excess of 12.5 percent of the recovery for services rendered by the adjuster." Thus, a public adjuster may not charge a fee in a retainer agreement that exceeds 12.5 percent of the insured's recovery, for services rendered by the public ...

Top Articles
Latest Posts
Recommended Articles
Article information

Author: Duncan Muller

Last Updated:

Views: 6538

Rating: 4.9 / 5 (79 voted)

Reviews: 86% of readers found this page helpful

Author information

Name: Duncan Muller

Birthday: 1997-01-13

Address: Apt. 505 914 Phillip Crossroad, O'Konborough, NV 62411

Phone: +8555305800947

Job: Construction Agent

Hobby: Shopping, Table tennis, Snowboarding, Rafting, Motor sports, Homebrewing, Taxidermy

Introduction: My name is Duncan Muller, I am a enchanting, good, gentle, modern, tasty, nice, elegant person who loves writing and wants to share my knowledge and understanding with you.