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Insurance Claims Adjuster License

Students operating in Wisconsin will be able to obtain their Adjusters P & C License upon completion of this course via Wisconsin reciprocity allowances. There may be additional requirements for this license, so check with the Wisconsin Department of Insurance if you have any questions about Adjuster Licensing rules in Wisconsin. Click here for more information about the adjusters license from the Texas Department of Insurance.

*Please note: Wisconsin may offer an approved adjuster’s license of its own. Our courseware is for a Texas adjuster’s license, which is accepted in Wisconsin through reciprocity allowances. The Texas Adjuster’s license is preferred because it allows for the most career flexibility and versatility.

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These comprehensive courses will prepare you for the final Adjuster License Exam that will certify you as a knowledgeable, professional Property & Casualty Insurance Adjuster, not only in Texas, but in the multiple states that offer reciprocity, as long as you also satisfy any unique state-based requirements.

Reciprocity for Texas Adjuster License

Not only is the Texas Insurance Adjuster License valid in Texas, but it’s recognized in most US states. Currently, 15 states do not regulate insurance adjusters, so residents can take the Texas Adjuster course and exam. Texas Adjuster License is reciprocal with CO, KS, MO, OH, SD, VA, WI, IL, IA, NJ, MD, NE, ND, PA and TN. Texas Residents can always take this course and the online exam too to get their Adjuster License. Students do have to choose between the Property and Casualty Adjuster License and the All Lines Adjuster License. Both licenses deal with Property and Casualty claims but the All Lines Adjuster will also allow you to adjust Workers Compensation Claims.

Additionally, Wisconsin have reciprocity agreements with Texas, so licensed Texas adjusters can apply for a nonresident Wisconsin state license without taking any additional exams. For the exact licensing guidelines, students should inquire with the Wisconsin State Department of Insurance if they wish to apply.

What Claims Adjusters, Appraisers, Examiners, and Investigators Do
Claims adjusters, appraisers, examiners, and investigators evaluate insurance claims. They decide whether an insurance company must pay a claim, and if so, how much.
Work Environment
Most claims adjusters, appraisers, examiners, and investigators work full time. They often work outside the office, inspecting damaged buildings and automobiles.
How to Become a Claims Adjuster, Appraiser, Examiner, or Investigator
A high school diploma or equivalent is typically the minimum requirement to work as an adjuster, examiner, or investigator. However, employers sometimes prefer to hire applicants who have a bachelor’s degree or some insurance-related work experience or vocational training. Auto damage appraisers typically have a 2-year vocational award or work experience in identifying and estimating the cost of automotive repair.
Claims Adjusters, Appraisers, Examiners, and Investigators
2010 Median Pay
Entry-Level Education
Work Experience in a Related Occupation
On-the-job Training
Number of Jobs, 2010
Job Outlook, 2010-20
Employment Change, 2010-20
$58,460 per year
$28.11 per hour
Minimum high school diploma or equivalent.
None
Work under supervision of an experienced Adjuster.
290,700
3%
7,500
Tasks
  • Determine claimant’s insurance coverage based on available forms and data.
  • Perform onsite visits and assess property damages.
  • Examine police reports, medical records, bills and property damage to determine the accountability of parties involved.
  • Draft accurate reports and reviews on property damage costs, estimates and investigation findings.
  • Conduct extensive research and interviews to correct document errors or omissions.
  • Research and collect evidences for legal purposes.
  • Refer dubious claims and fraudulent activities to investigators or claims adjusters for further investigation or settlement.
  • Negotiate for claims settlements and recommend litigation when deemed necessary.
  • Coordinate with claimants, police personnel, witnesses, doctors and other parties involved to find out the validity of claims and determine whether the claimant qualifies for the settlement or not.
  • Perform data analysis based on investigations, recommendations and findings.
Tools & Technology

Listed below are the devices and software used by an insurance claims adjuster to perform his or her job efficiently:

  • Event Data Recorders (EDRs)
  • Measuring wheels
  • Mobile organizers or personal digital assistants (PDAs)
  • Field Computers and Mobile Devices
  • Theodolites
  • Analytical software for EDRs and fraud detection
  • CAD software for recording evidence and visuals such as MapScenes Evidence Recorder and Visual Statement Investigator
  • Document Management System
  • Record Keeping Software
  • Financial Analysis Software
Knowledge
  • Adept in writing in the English language, especially with grammar, syntax, and rules of composition
  • Understand the concept of customer service and be able to ensure client satisfaction
  • Background on performing administrative and clerical duties and skilled in word processing, file organization, stenography and transcription, and other related tasks.
  • Knowledge of state rules and regulations, performing due diligence, executive orders and the US political process
  • Background financial and mathematical knowledge and their theories and applications
Skills
  • Active Listening: Involves listening intently to what people are saying, contextualizing and analyzing what is being said, asking the right questions at the right time.
  • Analytical Skills: Using logic to weigh the consequences of actions as well as in reviewing and analyzing relevant information in coming up with a solution.
  • Reading Comprehension: Effortlessly understanding the logical flow and meaning of sentences in documents and reports.
  • Communication Skills: Knowing how to effectively convey thoughts and information.
  • Convincing Power: Knowing the proper way of negotiating and using the nuances of language.
  • Writing Skills: Communicating in a clear and concise language suitable for business and the needs of the target audience.
  • Good Judgment: Knowing how to leverage available resources and having foresight when choosing the appropriate action/solutions.
  • Perceptiveness: Being sensitive to other people’s actions and reactions.
Work Activities
  • Data Gathering: Identifying and categorizing information by interviewing people, investigating places, events and people, and reviewing existing pertinent documents.
  • Record Keeping: Data encoding and organization—both in written and electronic form.
  • Basic and Advanced Computing: Using various types of computers and computers systems in data encoding, analysis and communications.
  • Multitasking: Prioritizing important tasks over unimportant ones; setting goals
  • Data Analysis and Review: Verifying information and evaluating information in faithful observance of standards and regulations.
  • Problem Solving: Resolving conflicts and negotiating with people to prevent any further complaints and disputes. Analyzing information to provide the best possible solution to problems.
  • Coordinating with Senior Level Officers and Peers: Relaying information to seniors, colleagues and subordinates through all available methods of communication.
Education

Most enrollees and graduates of an insurance adjuster school already have a bachelor’s degree prior to getting an adjusters license (35 percent). Still, a majority of these graduates have received some college education but did not finish their degrees. About 14 percent of insurance adjusters are master’s degree holders.

Percentage of Respondents
Education Level Required
35
Bachelor’s degree
32
Some college, no degree
14
Master’s degree
Work Values

Support – Providing assistance to employees in observance of company policies, company ethics, and human relations principles

Valuing Relationships – Being a team player and working harmoniously with authorities, seniors and colleagues.

Freedom and flexibility – Having the freedom to work independently but holding oneself accountable for the outcome of one’s own work and sometimes, the work of others