Frequently Asked Insurance Adjuster Questions
General
How much time do I have to finish my coursework?
For CE courses — 2 months from registration; For New Adjuster courses — 4 months from registration
If I have questions during my online coursework, how can I get those questions answered?
We are happy to help! Call us @ 972-767-7699 or email us @ support@2021training.com
Adjusters
What's the difference between an All-Lines Adjuster and a Public Adjuster?
All-Lines and P&C Adjuster licenses — you represent the carrier. Public Adjuster license — you represent the insured themselves.
What's the difference between the All-Lines Adjuster license and the P & C Adjuster license?
All-Lines allows you to work claims for all lines of insurance (property, casualty, auto, liability, farm & ranch, crop, aviation, workers’ comp, etc… The P&C license does everything the All-Lines license does except for workers’ comp.
When can I get my fingerprints done for the Texas insurance license application?
Your fingerprint receipt from IdentoGO is valid for one year, so you can get your fingerprints done at anytime during the course just making sure that you submit your application to the state with the fingerprints within 1 year of having them taken
I just had my fingerprints done for my Concealed Handgun license, can I use those for my adjuster license?
No. If you haven’t had your fingerprints taken for the Texas Dept. of Insurance, then you will have to have them redone.
I have my agent license, do I still need to do fingerprints again?
If your agent license is active and in good standing, you do not have to have them redone to apply for the adjuster license.
How many attempts do I get to pass adjuster final exam?
6 total attempts
How do I get my Texas Adjuster License if I come from a licensing state such as Florida, Indiana, South Carolina??
You will first need to secure your homestate license and then go to either sircon.com or nipr.com to obtain other state licenses through reciprocity
How do I get other state licenses through reciprocity once I have my home state adjuster license?
Go to either sircon.com or nipr.com
If I come from a non-licensing state such as Colorado, Kansas, Missouri, Nebraska, etc.....how do I get an adjuster license?
You can either get a Texas or Florida DHS (designated home state) license. Taking our course will allow you to do that
What IA firms are the best for new, inexperienced adjusters to get on?
Pilot Catostrophes, Eberl Claim Services, EA Renfroe, Alacrity Solutions, Allcat Claims, Mid-America, Crawford & Company
Do you have a listing of IA firms?
On our RESOURCES tab
Do you have a listing of insurance carriers to apply to?
On our RESOURCES tab
What kind of skills are good to have to be an adjuster?
On our RESOURCES tab
What kind of jobs can I secure with a Texas Adjuster license?.
Field Adjuster, Desk Adjuster, File Reviewer, Flood Adjuster
How do I get experience as a new adjuster?
Get an entry-level job at a carrier or apply on the rosters of the big 4 firms — Pilot, Eberl, Renfroe and Alacrity Solutions
How can I find someone to shadow so I can gain experience?
Facebook adjuster groups
Do reciprocal licenses have to be renewed?
Yes…but no CEs if your home state already requires them.
California Fair Trade?
CA only recognizes it is valid if done between Jan1 and Sept 1
Female adjuster Facebook groups?
CAT Women and Female Adjuster Nation
Can I work as an adjuster part time or only on weekends?
Most adjusting work is full-time plus overtime, so there’s really not any part-time or weekend work unless you have years of experience and the IA firms like your work and want to keep you on.
Do you know of any live training companies?
Pat Bell @ Texas Licensing Company. https://texaslicensingcompany.com/faq/
Can I become an Insurance Adjuster with felony record?
From time to time we get people asking us if it is possible to get an insurance adjuster license with the Texas Department of Insurance (TDI) when they have a felony or a misdemeanor on their record.
The short answer is YES.
The real answer is, it is taken on a case-by-case basis.
Now for the background and details. Currently, the question is dealt with on #7 of the licensing application. Here are the questions that you will need to answer on the Texas Department of Insurance application.
Notice that it excludes traffic violations and first offense DWI. Then, if you have ever been convicted or have any pending charges, you must disclose them. You are required to submit certified copies of the documents listed in reference to your conviction or current case.
The good part is that you get to submit a statement telling about what led up to the offense and share your side of the story. Be professional, honest, and factual. This isn’t a place to rant of injustice but a place to give them comfort that you are now someone they can trust with a license and not be a danger to the public.
The second opportunity to plead your case is through the letters of recommendations. TDI allows you to submit as many letters of recommendation that you feel appropriate from people that are “aware of your criminal past.” These letters should address the conviction and character descriptions that will make TDI feel that you are responsible and not a danger to the public if you were to become an insurance adjuster. Take the time to get two or three good letters that say more than “Bob is a good guy.” You need to have someone that will address their honest opinion of you and why they feel you could serve in the capacity of an adjuster without being a danger to the public.
Just because you have a criminal history doesn’t automatically preclude you from being an adjuster. It will cause your application to come under scrutiny from the licensing department though. Although it is not published, it is inferred that there are certain convictions that stop them from even considering offering you a license.
Although I wish they would make a determination before you go through the application process, they don’t. You need to take your test or pre-licensing course first and then submit your application and wait for a determination. Although you are definitely in the minority if you are submitting an application with a felony on your record, don’t lose hope. Although you will not get a determination from TDI before you submit your application, we always recommend you get in touch with them and allow them to walk you through the process. You can reach the Texas Department of Insurance at 512-676-6500.
Certifications
What carrier certifications are good to have?
State Farm, Allstate, USAA, TWIA, Florida Citizens
How can I get carrier certifications like State Farm, Allstate, USAA, etc.....?
You can only get carrier certifications from the Independing Adjusting (IA) firms that handle their claims
How can I get my TWIA certification?
Go to twia.org and go to the adjuster’s tab. You will see a listing of IA firms that handle TWIA claims. You will need to contact a TWIA carrier for secure your TWIA certification
How many years is the California Fair Claims Training Certification valid for?
1 year and must be completed by September 1 for it to be valid
When do I have to have the California Fair Claims Training Certification completed by?
September 1 of each year
CE
When is my Texas license renewal date?
Every two years on the last day of your birth month
What are the specific CE requirements for my Texas insurance license?
Texas Department of Insurance CE requirements are 24 hours every 2 years with 3 of those 24 being in Ethics and the other 21 being in General. At least half of your CE hours have to be either Classroom or Classroom Equivalent hours
What's the difference between a classroom/classroom-equivalent course and a self-study course?
Classroom course is a live or webinar class, Classroom Equivalent course is an online course where you have quizzes roughly every 15 minutes and no final exam. Self Study courses have no quizzes but do have a final exam.
If I let my insurance license lapse, will I still have to pay the CE deficiency fine when I apply for license again?
Yes, the deficiency fine is $50/hour deficient up to a maximum fine of $500
What is the Texas CE deficiency fine?
$50/hour up to $500/reporting period
What hours do we offer for an Escrow license?
Only Ethics, but can tell them to try WebCE
Training
What is Rope and Harness training?
Some IA firms will host this type of training at their training facility.
Rope and Harness Certification Training
www.realityropeaccess.com with Kevin Kramersircon.com
Texas as Home State
The following states can get TX as DHS if they have staff adjusting position:
Alabama, Alaska, Arizona, Arkansas, California, Georgia, Hawaii, Idaho, Indiana, Maine, Michigan, Minnesota, Mississippi, Montana, Nevada, New York, and Utah.
The following states can get TX as DHS for Workman's Comp only:
Oregon and Puerto Rico
Xactimate
Can I buy the Xactimate software outright?
No, the Xactimate software is used on a subscription basis.
Do I have to be Xactimate Level I certified to get on a roster and/or work claims?
Although it does look good on your resume, most firms will only require that you know how to adjust a claim in Xactimate over having any Xactimate level certifications
Will I Qualify for my Texas Insurance Adjuster’s License after I complete the 2021 Training course?
Once you complete your coursework, we administer the Texas Department of Insurance approved licensing exam. Once you pass, you will receive a certificate of completion. Then, you’ll have all of the education and documentation you need to apply for your license.
Are all of 2021 Training’s Insurance courses online?
Our courses are completely online but integrate the experience and benefits of a live expert-led class. Our courses can be accessed from any computer, laptop, smartphone, or tablet with an internet connection.
How long does it take to complete the Texas All-Lines licensing course?
The Texas All-Lines course is 40 hours long in accordance with state guidelines. This particular course consists of 32 hours of online content and instruction and just 8 hours of self-guided studying and homework.
Do you offer continuing education courses?
Absolutely! Texas requires 24 hours of continuing education every two years to maintain your adjuster’s license. We can help you fulfill this requirement with one of our CE courses. Then, we can update the state about your completion of the course within two business days.
What states have reciprocity agreements with Texas?
The Texas All-Lines license is a great investment because many states have a reciprocity agreement with Texas. With this license, you can get a license to operate in more than 30 states without taking their state exam or a pre-licensing course.
How do I get licensed in Texas?
Once you complete our course and exam you will need to submit fingerprints, and send the IdentoGo receipt to the Texas Department of Public Safety. Then, you’ll be ready to apply for your insurance adjuster’s license online.
What claims can I investigate with a Texas All-Lines License?
This license allows you to investigate just about any claim that comes your way. You will have the credentials to investigate residential, commercial, auto, crop, worker’s compensation, or catastrophe claims.
Do people typically pass the Texas insurance exam the first time? What’s a passing score?
The Texas insurance exam is not considered difficult when compared to others. People who don’t test well, do so because they were underprepared. Our courses are comprehensive and led by experts so you’ll be well versed and prepared for the exam. You must obtain a 70% on the readiness exam to qualify for your insurance adjuster’s license.
What percentage of your students pass the insurance exam the first time?
Our students typically do very well on the exam and pursue lengthy careers in the insurance adjusting careers. Over 95% of our students pass the insurance exam their first time.
Can I get a Texas insurance adjuster’s license if I live in another state?
You may qualify for licensing in Texas. However, if your home state offers independent adjuster insurance licensing you’ll need to get that before obtaining a non-resident license. If your home state doesn’t have an independent adjuster insurance licensing program then you can pursue your license in Texas.
Can I work as a public adjuster with my Texas Adjuster License or Texas Designated Home State Adjuster License?
NO. Public adjusters have a separate licensing process and different requirements for Texas and all other states. There is no license that you can get from 2021 Training that will allow you to work as a public adjuster in ANY state. You must check with the individual states for their requirements to work as a public adjuster in their state.
