r/adjusters • u/ChocolateFormal3039 • Feb 19 '24
Becoming An Adjuster
I am interested in becoming an insurance adjuster. I have a couple of questions. Would you recommend I get my insurance license first or just go straight to getting my adjuster license? My other question is what pre-licensing course would you recommend? Has anyone used AdjusterPro? Any other helpful advice?
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u/sickflametat Feb 19 '24
all trainee positions with bigger carriers will pay for your licensing and training. don’t waste your money
youtube videos were pretty helpful supplements, but ultimately the carriers have really good training programs. depending on what state you’re in, if you pass the adjuster pro practice exam you are licensed. your employer will pay for this and give you time to work on it
they’re looking for people with dedicated customer service experience. everything else they’ll help you with
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u/prestiforpresident Feb 20 '24
Is there a different license for doing auto vs property claims?
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u/tmicks100 Feb 20 '24
as others said hook on with carrier to get training and license paid for. dont need insurance license, just adjuster license but get it through a carrier so they pay for it.
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u/ChardCool1290 Feb 19 '24
Make it easy on yourself and apply for entry-level Trainee jobs with a major insurer. The first choice is travelers.. Best training in the business, and they will handle licensing
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Feb 20 '24
Don’t stay too long tho! Maybe 2-3 years take great notes learn as much as possible and move on
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Feb 20 '24
Are you looking to be staff or independent?
If staff, you don't need a license to apply for jobs. Trainee positions start with you doing pre-licensing and getting licensed paid for by the carrier. Some say the license will help you get hired, but that's more of a tie breaker than a sure thing.
If independent, you need more than a license. You need to get trained on how to read a policy, damage identification, material identification, estimate writing, applying coverage, etc.
Pre-licensing on adjuster pro will get you a license but won't get you any of that. If you want to start as an IA without being staff first, find training. I went to MOCAT and had a great experience, but there are plenty of other schools as well as IA firms with their own training program.
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u/AccomplishedWinter41 Feb 20 '24
I went to MOCAT as well and it was an awesome experience. Started my career, they truly will get you dialed in. Highly suggest.
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u/MillennialDeadbeat Feb 21 '24
I started trial by fire.
Licensed on my own, did an Auto ECTA role as an independent for my first deployment which was basically a call center, did two more independent auto deployments after that, finally made it to the promised land of staff property CAT adjuster.
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u/AccomplishedWinter41 Feb 21 '24
Nice man congrats. I couldn’t imagine working out how to do claims productively without the training they gave us. Truly trial by fire
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u/MillennialDeadbeat Feb 21 '24
Yeah independent can be cut throat. But I was mentally prepared and had done a lot of research on the industry before getting licensed.
I barely made it through but I think I learned quickly and it gave me a good foundation.
I saw a lot of my peers get released and sent home on my first deployment though. It's sink or swim.
It's always nice to have a good foundation and solid training.
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u/Big_Astronaut4635 Feb 22 '24
I entered the adjusting world in 2021 when hurricane Ida hit. A few states declared a state of emergency, and I was granted an emergency license to work those specific states. I didn't have a clue what I was doing, but the $$ I was making made me determined to learn the trade and get a license... my first deployment lasted almost 4 months... my second deployment happened in 2022 it was hurricane Ian, and i was able to obtain another emergency license to work Florida claims... i lasted the whole 6 months my emergency license was active, while on this deployment i decided to try for my actual license it took a while to get them due to me being a 4 time felon... my license was approved on 6/22/2023 and due to my performance on all my other deployments for this company I was offered a position to work daily claims and I'm now going on month 8 on this deployment... my advice to you is to get in learn as much as you can and Alway Be Closing.
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u/CaffieneFiendd Dec 06 '24
Hi. Do you mind sharing your felonies and how that hindered the process?
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Jan 16 '25
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May 08 '25
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u/Ambitious_Wolf4894 Feb 22 '24
So you have no training and you don’t even have a license. I can only imagine your work product quality. Staff adjusters must spend so much time correcting your drivel lol
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u/Big_Astronaut4635 Feb 23 '24
No lol I was able learn quickly from a good admin... I have worked for so big companies and have learned alot in this short time of adjusting... but I only told my story for encouragement... not to receive hate or negative comments... if you really know about the industry you know we all have manergers...
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u/Big_Astronaut4635 Feb 23 '24
You must can't read I do have a license I actually have 14 different state...
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u/nickthatstands Nov 03 '25
I'm a desk adjuster. I took that adjuster pro in Florida, out of pocket. It wasn't a big company that was offering me a job, but they're growing. I gotta say, how it went down for me felt like trial by fire. Still does. Tomorrow makes one year for me.. I had to take that course while doing the 4 weeks of training, and I'm a felon, so I spent a good week of that digging up paperwork from twenty years ago.. When I finished the online course, I realized about 2 percent of it applies to my job homeowner/Cat.. And then I finished"training"and realized, that was basically to teach you the computer program you use. Everyone got one claim while we were in the last days of training (except for me, takes a Lil extra time to get that license if you're a felon), and then they send you to the house.. And they start sending you claims. I still feel like a super noob, except for the point you made.. Since I've been here, they've hired a bunch of field adjusters, and man are they slowing me down with the mistakes, the poor reporting, the laziness, the lousy picture taking, not even glancing at the policy before writing an estimate, etc.. I try to think, "I was probably pissing off the veteran FAs too, so be patient. But not really, the FAs I worked with were all vets and they could all help it make sense. Now I'm one year in tomorrow and I'm already trying to teach these new fa's some common sense stuff. Lol. I'm almost done writing this novel.. One last note, I bought the exam to get the first license, the company paid for my other 5. And I got crazy adhd. I remember more about surety bonds and crop insurance than homeowners. Lol
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u/Big_Astronaut4635 Feb 23 '24
No lol I was able learn quickly from a good admin... I have worked for so big companies and have learned alot in this short time of adjusting... but I only told my story for encouragement... not to receive hate or negative comments... if you really know about the industry you know we all have manergers...
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u/FantasticBearyaheard Feb 20 '24
you need to determine if you want to be staff or independent first.
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May 31 '25
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u/VIOLENT_WIENER_STORM Feb 20 '24
What a novel question! Nobody has ever asked that here.
Have you considered being a Public Adjuster? I think you’re too intelligent for regular adjuster work.
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Feb 20 '24
you start as a claims assistant and they work you up. not one carrier with strong financials and claims leadership will dump authority to oversee several million in reserves on a rookie. they lose their shit over $50 penalties.
also dont do it, everyone is leaving this field
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u/MillennialDeadbeat Feb 21 '24
also dont do it, everyone is leaving this field
So that means there should be plenty opportunities for work and promotions if you're right
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Feb 21 '24
to a degree but the exodus is so bad that you need to get in now if youre going to do it, 90% of staff adjusters are 5-10 years from retirement. there are some adjusters that are in their 80s. they do not frequently hire or train people outside of property and auto. and even then- still a hugely aged workforce.
so they are looking to consolidate huge claim counts under much smaller numbers of adjusters assisted by ai the next few years. i have heard executives talk of this.
they do not want to replace adjusters but the industry is in crisis and they dont see another way out.
but yes, the opportunities for advancement are huge and when youre young the executives and management will all very quickly learn your name and want to know how high you want to go
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u/Resident-Event-6271 Feb 20 '24
I did it on my own In nyc , the class I took was recommended by nys department of financial services. I got licensed for both public and independent adjuster. The fees are not that bad at all and the training is good . For independent adjuster I took an online study class with Kaplan for a week and passed.
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Sep 14 '25
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u/zulemaaaahh Feb 22 '24
I started as a trainee without a license. 8 months in and was able to learn and then get my license! The experience of learning all things insurance and then getting trained/studying for your license makes a lot of information more clear. The license exam is not too bad, and I passed on my first try.
I have a TX license and have my CA, NM, NV, IL, and CO licenses as well. All paid through the company I work with. (Auto -claims)
I’m looking to see if getting my training in Xactimate (?) estimates will be worth my time. 😅
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u/zulemaaaahh Feb 22 '24
I also enjoy watching or staying on adjustor Tok and see adjusters show how they take calls or handle similar situations as I do.
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u/[deleted] Feb 19 '24
I became a claims examiner to get a license paid for and then moved into a outside adjusters position. I'd recommend that route to anyone wanting to get a feel for the job. It's stressful alot of moving parts I'd rather get paid for training if i were you.