How to Become an Insurance Adjuster: A Comprehensive Guide
Interested in entering the field of insurance adjustment but not sure where to start? Becoming an insurance adjuster can be a rewarding career that combines detail-oriented work with the opportunity to make a difference in the lives of those who have suffered losses due to accidents or natural disasters. This guide will help you navigate the path from education to licensing, and ultimately, to finding the right job.
Part 1: Gaining Experience
Education Level: Start by obtaining a high school diploma or GED. For those looking to gain an edge, vocational schools and community colleges offer classes in auto body repair that can be beneficial. An educational background in accounting, business, or related fields can also be advantageous.
Higher Education: Earning a bachelor’s degree or advanced vocational training is preferred by most companies. This can include studying in areas such as accounting and business, as well as gaining experience in an auto repair shop to understand the intricacies of vehicle damage.
Choosing Your Specialization: There are two main types of auto insurance adjuster roles—staff adjusters who work full-time for insurance companies, and independent adjusters who work as contractors and may work for multiple companies. Each role offers different settings, schedules, and levels of flexibility.
Find a Mentor: Working under an experienced adjuster can be invaluable. As a trainee, you will start with smaller claims and gradually work your way to more complex ones, all while gaining hands-on experience and mentorship.
Part 2: Getting a License
Determine Licensing Requirements: Each state has its own licensing requirements. Check the website of your state’s Department of Insurance for specific details such as minimum age, qualifications, residency requirements, and experience and educational requirements.
Complete Pre-Licensing Classes: Some states require pre-licensing classes. These classes cover essential topics like insurance regulation, insurance basics, automobile insurance, and adjusting losses.
Take the Licensing Exam: After completing pre-licensing classes, you must take a licensing exam, which covers topics such as personal automobile insurance coverage, state laws relevant to adjustments, and fair claims settlement practices. Fees and study materials will be available on the state’s Department of Insurance website.
Licensing Application Process: After passing the exam, you will need to apply for your license through the state’s Department of Insurance. This may include submitting certificates, fingerprinting, background checks, and paying a license application fee.
Part 3: Obtaining Employment
Contact Insurance Companies: Insurance companies can provide information about open positions. Their websites and HR departments will have the most up-to-date job postings.
Customize Your Resume and Cover Letter: Tailor your resume and cover letter to the auto insurance adjuster field, highlighting your education, experience, training, and licensing.
Apply for Staff Adjuster Positions: Once you find a position that interests you, confirm that you meet the company’s requirements and then submit your resume and cover letter.
Develop Your Brand as an Independent Adjuster: For those choosing to be independent contractors, establish a brand that showcases your expertise and professionalism.