The adjuster licensing landscape can be challenging to navigate. We are here to help!
What licenses do I need?
Many independent insurance adjusters face this confusing but very important question. Unfortunately, there is not a simple nor single answer, but by answering a few questions, we can guide you in the right direction.
Let’s start with where do you reside?
If you live in one of the 34 licensing states, you must acquire your resident state license first and then proceed to acquire surrounding states. For those living in one of the 16 non licensing states, a Designated Home State (DHS) is needed first, followed by surrounding states.
What type of claims position are you looking for?
If you plan to work in a call center, the more licenses you have the better, as you potentially will handle claims in all 34 states. Additionally, you need to decide if you want to handle property or auto claims. For property, you will be required to have the license for the state where the damage occurred. For Auto, the needed state licenses will increase based upon factors such as the location of the loss, policyholder resident state, injured parties resident states and other factors. Therefore, one auto claim could require you to have many state licenses in order to be compliant. For those looking to work in the field only, you must hold the license in the state you will be handling claims in (if applicable).
What time of year is it?
If you have secured your resident state license/DHS and surrounding state licenses, its time to review the current season and/or soon to be season. March-August is hail season which impacts states such as Texas, Oklahoma, Kentucky, Minnesota and Michigan to name a few. Hurricane season is June-November and all coastal states can be affected.
For more information or to obtain a copy of our licensing workbook, please email our licensing department at firstname.lastname@example.org