Frequently Asked Questions
- What is an Adjuster?
- What does an insurance adjuster do?
- Is their much of a demand for adjusters?
- What do Independent Adjusters make?
- How much money does a CAT adjuster make?
- What are the licensing requirements to become an insurance claims adjuster?
- Who is responsible for the licensing of Texas Insurance Adjusters?
- What is reciprocity? How many states will the Texas Adjuster's license allow me to work in?
- What do I need to do to obtain a Texas Adjusters License?
- How many credit hours are required before I take the state exam?
- What is a pre-licensing course? Will I get my adjuster's license at class?
- After completing your pre-licensing course, will I get a Texas Adjusters License?
- Which states do not require an adjuster's license?
- Do you act as a placement agency? How do I secure employment?
- What is the cost of the course and what methods of payment are accepted?
- Is it secure to send my credit card information over the internet?
- How long are the courses valid?
- Do I need to have sound on my computer to take these classes?
- Do I need to use a PC? What if I have a Macintosh?
- Can I take this course with the AOL browser?
- Can I take the course from various locations and computers?
- What happens if I get disconnected from the internet?
- What about the Fingerprinting process?
- What is your refund policy?
An Adjuster is an individual employed by a property and casualty insurance company or an individual to settle claims on its behalf brought by an insured individual or company. The adjuster evaluates the merits of each claim and makes recommendations to the insurance company. Basically, an adjuster is one who investigates insurance claims or claims for damages and recommends an effective settlement.
What does an insurance adjuster do?
When a policyholder files a loss claim, it is the job of the insurance adjuster to investigate the claim and determine whether a covered loss exists. On determination of such, the adjuster will move to address coverage issues or proceed with assessment of damages and payment for applicable losses.
Is their much of a demand for adjusters?
The demand for available adjusters has never been greater! Most adjusters are deployed following catastrophic events such as hurricanes, tornados, and hail storms. Even better, the demand continues to grow with the advent of weather related occurrences. Unlike other industries, adjusting appears to be unaffected by economic troubles. When loss happens... you'll be prepared to respond.
What do Independent Adjusters make?
An independent adjusters pay will vary based on several factors some of which include the types of
claims he/she handles, the amount of loss, and the number of claims. A good estimate is
somewhere between 8 and 10 thousand dollars a month before expenses.
How much money does a CAT adjuster make?
As a (CAT) catastrophe adjuster, you will be working as an independent contractor. As such, your income will depend to a large degree upon how much you want to make. Some companies pay a “per diem” (anywhere from $600-$1000/day), but most pay on a “schedule” (a per-claim amount contingent upon the gross amount of the claim). It is not unusual to average $400 per claim, and an efficient adjuster can complete upwards of 4-5 claims per day.
What are the licensing requirements to become an insurance claims adjuster?
Texas has no preset requirements such as experience in adjusting. However, they do require that you complete the state exam or an approved pre-licensing course. If you choose to do either the online or classroom pre-licensing course with us you will need to complete all 40 credit hours. Both have the 150 question exam at the end of the course. Also, they both have the NO PASS NO PAY GAURANTEE.
Who is responsible for the licensing of Texas Insurance Adjusters?
The Texas Department of Insurance Agent & Adjuster Licensing Division. The Licensing Division is responsible for the licensing and regulation of persons who wish to sell insurance or adjust property-casualty claims in the state of Texas.The Licensing Division processes license applications, renews licenses, registers appointments of agents by insurers, and regulates continuing education for licensees. The licensing of 3rd party administrators and premium finance companies is also handled by the Licensing Division.
What is reciprocity? How many states will the Texas Adjuster's license allow me to work in?
Adjuster licensing reciprocity is the system whereby a state will recognize and honor the validity of another state's license. This enables adjusters to obtain another state's license without taking that state's exam or equivalent coursework. Over 30 states grant reciprocity with the Texas All-Lines Adjuster License making it the most universally accepted adjuster license in the country. In addition, some states do not require an adjuster license to work insurance claims. Reciprocity does not mean that, having obtained the Texas Adjuster's license, you are immediately licensed in 32 states. You will still need to apply for each particular state's licenses according to the regulating agency of the state. We can handle any state agencies paperwork to help speed up your licensing process. There is a fee for this service, and it depends on the number of states you are needing us to handle.
What do I need to do to obtain a Texas Adjusters License?
As mentioned above, the state requires that you complete a 40 credit hour program. Once you have completed 40 credit hours of training you can take the final exam. The final exam is a 150 question final that needs a grade of 70% to pass. Once you have passed the final exam, you will receive a certificate of completion in the mail. When you receive this certificate you will need to mail it off to TDI (Texas Department of Insurance). You must also mail off the states application and application fee ($50.00). TDI requires you to get fingerprinted and also send a copy of the fingerprints with you application package. On average they should have your new license to you within two to four weeks.
How many credit hours are required before I take the state exam?
The state requires that you complete a 40 credit hour program. Once you have completed 40 credit hours of training you can take the final exam through us.
What is a pre-licensing course? Will I get my adjuster's license at class?
The insurance adjuster pre-licensing course fulfills all requirements needed to successfully obtain a Texas Adjuster License. It is simply a matter of filing the application (provided on our website) with the Texas Department of Insurance (TDI). No further testing or coursework is necessary. Depending upon the volume of applications they process, you should expect your insurance adjuster license within 2-4 weeks.
After completing your pre-licensing course, will I get a Texas Adjusters License?
You will receive a certificate of completion in the mail. When you receive this certificate you will need to mail it off to TDI (Texas Department of Insurance). You must also mail off the states application and application fee ($50.00). TDI requires you to get fingerprinted and also send a copy of the fingerprints with you application package. On average they should have your new license to you within two to four weeks.
Which states do not require an adjuster's license?
| Colorado | Kansas | North Dakota | Virginia |
| District of Columbia | Maryland | Ohio | Wisconsin |
| Illinois | Missouri | Pennsylvania | |
| Indiana | Nebraska | South Dakota | |
| Iowa | New Jersey | Tennessee |
Do you act as a placement agency? How do I secure employment?
No, however we can send many different helpful links. These link will include adjusting forums, insurance agencies, staffing agencies. Etc. You may request the list at the time that we certify you.
What is the cost of the course and what methods of payment are accepted?
The online course is normally $499.00. However during this month we are offering the course at $229.00. We accept Visa/ MasterCard. You may also mail in a payment to:
1st Choice Certification, Inc.
2317 Brownlee Blvd. STE: A
Rowlett, TX 75088
1) Please make all payments to 1st Choice Certification
2) Please be sure to put all of the students info within the envelope (i.e. Name. Login info. Phone number. Email. Etc.)
Is it secure to send my credit card information over the internet?
Yes. We use a secure server to process all transactions sensitive in nature.
How long are the courses valid?
From the point of purchase the course will be valid for one year. However, if you have not logged in within a six month period of time, you will need to contact a support team member. We will reschedule at no cost to you and no loss of data.
Do I need to have sound on my computer to take these classes?
We do have an audio option for you to use. However, audio required to take the course.
Do I need to use a PC? What if I have a Macintosh?
If you have a MAC you can take any of our classes. We have had man customers take the course on their MAC and have no problems at all. However, our technical support team may be unable to assist you should you encounter technical difficulties. Our team does not have access to MAC's and are unable to replicate problems you may have.
If you are using a mac you will still need to be running the latest version of Internet Explorer while taking this course.
Can I take this course with the AOL browser?
You can use any web browser you choose but we do not support the AOL Browser so you may or may not encounter certain formatting problems. We recommend using the latest version of Internet Explorer for best performance.
Can I take the course from various locations and computers?
Yes, the course will work from multiple computers and locations.
What happens if I get disconnected from the internet?
Not a problem. Once you get logged back on, you will simply start at the beginning of the module you were on before the disconnection.
What about the Fingerprinting process?
You will need to mail that along with your Fingerprint receipt, TDI Adjuster Application and the $50 fee to TDI. Fingerprints are now submitted electronically to TDI and appointments for fingerprint services at a Prometric location can be made with Integrated Biometric Technology at 888-467-2080 or online at http://www.iisfingerprint.com. The license application and address for TDI can be found on the website at: http://www.tdi.state.tx.us/forms/agents.html. This course is approved as a substitute for the Texas Adjuster Exam; if completion of this course and exam is successful you will be exempt from taking the exam through the Texas Department of Insurance.
Fingerprints are now submitted electronically to TDI and appointments for fingerprint services can be made with Integrated Biometric Technology at 888-467-2080 or online at http://www.iisfingerprint.com.
(Online) Once an online course has been purchased the tuition can not be refunded. However, the course can be transferred to another individuals name or even move a student into our classroom format. (Classroom) Exam Preparation courses (Online and Classroom) are not refundable due to the nature of the course. If you miss a scheduled class, each student has up to 1 year to reschedule the classroom training or order the course via Online. If we cancel a classroom course, the student may either receive a full refund or reschedule for the next available class.
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