Frequently Asked Questions
What is an Insurance Adjuster and what do they do?
Any time an insurance claim is filed, whether it be an auto, property, commercial or workers compensation policy, an insurance adjuster gets involved. An adjuster examines an insurance policy and determines whether or not the insurance company is liable to pay the claim. Roles for field adjusters and desk adjusters exists for property and auto adjusters. Worker's Compensation adjusters will typically work not have any field work.
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A field adjuster (property and auto) is responsible for investigating damages to covered property, documenting those damages and writing an estimate of what those damages will cost to fix. A desk adjuster takes the information provided by a field adjuster, makes necessary adjustments according to the policy and carrier guidelines, and finalizes the claim estimate for the insured.
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A worker's compensation adjuster evaluates information submitted by an injured or ill employee and determines liability of the employer. They also determine what benefits an injured employee is entitled to and follow the employees recovery via medical records and interviews with the affected employee.
What is the earning potential for an Insurance Adjuster?
An adjuster that knows their craft stands to make over six figures a year. Your salary staring out can range from $18/hr to $37/hr depending on the carrier and adjuster role (property, auto or worker's comp) chosen.
What are the requirements for being an Insurance Adjuster?
An adjuster must be at least 18 of years of age. In the state of Texas (and most other states) a adjuster candidate must take a pre-licensing course and pass an exam offered through a state accredited entity, after which the candidate is eligible to submit their license application to the department of insurance. The license fee in Texas is $50. Candidates must also submit a copy of their fingerprints.
What are the work hours like?
A staff adjuster for all roles will generally work a typical 8 hour shift. Independent, or contract, adjusters tend to work longer hours, like 10 hour days, 6 days a week. During catastrophes work hours tend to be 12 hour days, 7 days a week.
How long does it take to get an adjuster's license?
The state requires 40 hours of pre-license training before bestowing a license. This adjuster course offers that training in a format of 10 hours of self study and 30 hours of class room study. The 30 hours of classroom study is offered via both live webinar and in-person. Friday - Sunday class offerings are available as well as weekend only (two consecutive weekends.)
Where will In-Person classes be held?
In-Person classes will be held in Arlington, TX. Other locations can be added if the demand for that location is sufficient.
