If you want to obtain a Texas Insurance Adjusters License, there are a few things to consider. Here, we will cover everything you need to know about the Texas Insurance Adjusters License– including how to get one and how to prepare for the exam.
What Is an Insurance Adjuster?
An insurance adjuster is a person in charge of the evaluation of insurance claims. Their job is to determine the company’s liability and whether it falls under the terms of the owner’s policy. There are different types of adjusters. They may work for the insurance company or be hired by the claimant (the latter are known as public adjusters). They can also work as an independent adjuster.
Becoming a Texas insurance adjuster is not difficult, but anyone hoping to become an adjuster must first obtain a license.
How to Get a Texas Insurance Adjusters License
The only way to get a license in Texas is to pass the exam. Of course, you won’t be in the dark while preparing for the exam, because 2021 Training offers excellent pre-licensing courses. This way, you’ll get a clear idea of what to expect and you’ll be prepared for the upcoming exam.
A pre-licensing course usually lasts for forty hours, and after that, you will be able to proceed to the exam. As for the exam, there are 150 questions you need to answer, and to pass, you need to answer 70% of the questions correctly.
People who pass the exam are able to apply for a Texas Insurance Adjusters License. The majority of pre-licensing courses are in an online format, and so is the final exam.
What Are the Requirements?
One of the reasons why the popularity of the profession is increasing is that the requirements are quite basic. Applicants don’t need to have a college degree, the license doesn’t require previous military experience, and anyone can apply for it.
The list of requirements is quite short. The person applying for the license needs to be a U.S. citizen or someone with a work authorization from the Immigration and Naturalization Services. Other than that, they need to be at least 18. If you fulfill these requirements, you can start preparing for the exam.
If you do not live in Texas, you can still check with the Texas Department of Insurance to see what your options are. Acquiring a nonresident license is possible if your state doesn’t have an insurance licensing program. If possible, you should acquire a Texas Insurance Adjusters License because Texas has reciprocity with many other states.
Different Types of Licenses
Before you apply for the exam, you need to know that there are several types of licenses you can get. In Texas, there are two lines of authority for people interested in becoming adjusters.
One is All-Lines Adjuster, and the other is Casualty (P&C) Adjuster. The main difference between the two lies in the area of work. The all-lines adjuster licenses include P&C for commercial, residential, automobile, inland marine, farm and ranch, workers’ comp, and other types of insurance.
While the P&C license includes all of the above, it does not cover workers’ comp. If you don’t know which one is right for you, and you don’t have any suggestions from your employer, we would recommend going for an all-lines license since it gives you more options.
What to Do Once You Pass the Exam
Once the exam is behind you, all you need to do is apply for the license. The process is quite simple. Texas requires you to submit your fingerprints for a background check. The submission is checked by the Texas Department of Public Safety and the FBI to ensure that your criminal history records are spotless.
Every couple of years, you will need to do a few additional steps to renew your Texas Insurance Adjusters License and keep it active. 2021 Training can help you with pre-licensing and help you maintain your Texas Adjuster’s License once you acquire it. Contact us today to learn more about our courses and get started as a Texas Insurance Adjuster.