A Texas Insurance Adjuster is an individual employed by a property and casualty insurance company
Texas  Insurance Adjuster Training Online FAQs
FAQs
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Texas
     Insurance         Adjuster    Training 
Online
What is an Adjuster?
Are you approved by the Texas Department of Insurance?
What if my state also offers an adjusters license?
What are the 4 Easy Steps to getting your Texas Adjuster license?
What is the  All Lines Resident Adjuster License? 
What are the requirements to be an adjuster?
Why is the Texas Insurance Adjuster so highly valued?
Who do Independent Adjusters work for?
Can I look on the the Texas Department Of Insurance site for instructions and help?
Yes.  See helpful links below.
What are the steps to getting proctored?
What are the advantages of your course?
Who is responsible for the licensing of Texas Insurance Adjusters?
What is the cost of the course and how may I pay for it?
After completing the course, how will I get my license?
What are the most common Problems or Errors to Avoid when Submitting Applications to the state?
What steps should I take in order to be hirable as an adjuster?
Is it secure to send my credit card information over the internet?
What happens if I get disconnected from the internet?
Can I take the course from various locations and computers?
What happens if I have technical difficulties or the system malfunctions during the course
Can I take this course with the AOL browser?
Do I need to use a PC? What if I have a Mac?
Do I need to have sound on my computer to take these classes?
How do I get a username or password? What do I use it for? What should I do if I forget it?
How long are the courses valid?



Helpful Links

Agent and Adjuster Licensing Office
http://www.tdi.texas.gov/licensing/agent/index.html

The Agent and Adjuster Licensing Office (AAL) is responsible for the licensing, registration, certification and regulation of persons who wish to sell insurance or adjust property and casualty claims in the state of Texas. This includes, but is not limited to, insurance agents, insurance adjusters, public insurance adjusters, risk managers, life insurance counselors, reinsurance intermediaries, navigators, discount healthcare operators, title agents, escrow officers, and small employer health benefit plans. The office also regulates persons selling insurance related products from travel agencies, self-service storage facilities, retail establishments, and rental car companies.

Agent and Adjuster Licensing FAQs
http://www.tdi.texas.gov/licensing/agent/agfaq.html

Texas Department of Insurance APPLICATION FOR INDIVIDUAL AGENT LICENSE
http://www.tdi.texas.gov/forms/finagentlicense/FIN506.pdf


Fingerprint Requirements and Instructions
http://www.tdi.texas.gov/licensing/agent/documents/fpinstructions.pdf


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Who do Independent Adjusters work for?

  • Company adjusters or employee adjusters work directly for an insurance company as W-2 salaried employees. 
  • However IA’s (Independent adjusters) have a broader definition. Normally they are contracted through a third party claims handling company, or “IA company”. 
  •  So the insurer outsources the claim to one of these third party claims handling firms, who in turn assigns it to an independent adjuster.

  • Historically, independent adjusters have worked as 1099 independent contractors, but that has changed significantly over the last several years. For legal and liability purposes, the current practice is for employers to hire IA’s as W-2 employees, even for seasonal or catastrophe deployment. 
  •  For sufficiently short deployments, IA’s are sometimes hired as seasonal employees (similar to working as an independent contractor).
  •   Occasionally ,some smaller employers still contract claims out to IA firms as independent contractors.

  • Independent adjusters and staff adjusters usually have different licenses and licensing requirements. One requirement difference has to do with what’s called “appointment”. Staff adjusters are appointed to their employer, but independent adjusters can be self-appointed.
  •   I.E, if Bob got a job with ABC Insurance in Texas, she’d apply for an staff adjuster license, listing her appointment as ABC. When she is licensed, she has authority to adjust claims for ABC company, but does not have authority to handle claims for XYZ company without first changing her appointment with TDI (the Texas Department of Licensing). 
  •  Independent Adjusters on the other hand, list their own name as the appointing entity, and are free to handle claims for any company that will contract with them.

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4 Easy Steps to getting your Texas Adjuster license

1. Take our Texas Adjuster Licensing course and get your Printable Certificate.

2. Fill out your application from the Texas Department of Insurance site and pay the application fee
​http://www.tdi.texas.gov/forms/finagentlicense/FIN506.pdf

3. Get your fingerprints and submit the fingerprint receipt
http://www.tdi.texas.gov/forms/finagentlicense/FIN506.pdf

​4. Mail it in.
You should have your license in a few weeks
 Mail to: Texas Department of Insurance, Agent and Adjuster Licensing, MC107-1A, PO Box 12069, Austin. TX 78711-2069





What is an Adjuster?
  • An Adjuster is an individual employed by a property and casualty insurance company or an individual to settle claims on its behalf brought by an insured individual or company. 
  • The adjuster evaluates the merits of each claim and makes recommendations to the insurance company. Basically an adjuster is one who investigates insurance claims or claims for damages and recommends an effective settlement.

What if my state also offers an adjusters license?

  • Some states offer a state specific adjusters license. Often these state specific licenses do not enjoy the broad reciprocity agreements with 15 various states as does the Texas Adjuster License.
  •  Many adjusters who wish to be qualified to work a large geographic area find the widely accepted TX Adjuster License to be more valuable. If you have questions about state specific adjusters license please consult your respective Department of Insurance.

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What are the requirements to be an adjuster? 
There are requirements to get licensed, and there are requirements to get hired. Getting a license requires the applicant to be at least 18 years old, trustworthy, must have no pending felonies or past criminal records involving moral turpitude, and pass a test of your competence.  However, it's safe to say that every company is going to have to be convinced that you are trustworthy, dependable, you have a measure of common sense, you have a spirit of fairness, you work well with people and you 
are willing to work as hard as the situation calls for. Some companies prefer a trainee with no experience and some require experience because there is no time to train.

 Why is the Texas Adjuster's License so highly valued?

  • Many states recognize the Texas Adjuster's license as valid in their own state because Texas was one of the first states to establish high standards to earn and maintain an adjuster license.  

  • In short, take our online Texas adjuster's training and exam online exam and upon successful completion, you are granted a Texas adjuster's license which is recognized by many states. 

  • Through reciprocity, you are licensed by proxy to operate in those states which recognize the Texas Adjuster's license.

  • The TX Adjuster's License is reciprocal in 15 states but in cases additional state specific courses may be required. Please check with the appropriate Department of Insurance if you have any questions about Adjuster Licensing rules in your state. Click here to find a link to your Department of Insurance.

  • The TX Resident Adjuster license is considered the most valuable adjuster license in the country. 
  • 15 states recognize this license via reciprocity thus allowing an adjuster to enjoy a wide scope of operation as long as any unique state regulations are also met. This broad license make an adjuster much more valuable

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4 Easy Steps to getting your Texas Adjuster license

1. Take our Texas Adjuster Licensing course and get your Printable Certificate.

2. Fill out your application from the Texas Department of Insurance site and pay the application fee
​http://www.tdi.texas.gov/forms/finagentlicense/FIN506.pdf

3. Get your fingerprints and submit the fingerprint receipt
http://www.tdi.texas.gov/forms/finagentlicense/FIN506.pdf

​4. Mail it in.
You should have your license in a few weeks
 Mail to: Texas Department of Insurance, Agent and Adjuster Licensing, MC107-1A, PO Box 12069, Austin. TX 78711-2069


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The All Lines Resident Adjuster License is the broadest adjuster license available and allows the adjuster to work with the following types of losses:

  • • Residential – this is homeowners and fire policies and is primarily dwelling risks
  • • Commercial – business property, churches, schools, etc.
  • • Inland Marine – valuable objects, cargo, docks, piers, bridges, transmission lines
  • • Ocean Marine – vessels for transportation, hull insurance, yacht policies
  • • Auto – both personal and business auto
  • • Farm and Ranch – animals, crops, buildings,
  • • Workers Compensation – Covers the Texas WC certification


Who is responsible for the licensing of Texas Insurance Adjusters?
  • The Licensing Division is responsible for the licensing and regulation of persons who wish to sell insurance or adjust property-casualty claims in the state of Texas. 
  • At the end of August, 2007, there were 370,000 agents, agencies, and adjusters licensed. The Licensing Division processes license applications, renews licenses, registers appointments of agents by insurers, and regulates continuing education for licensees
  • The licensing of 3rd party administrators and premium finance companies is also handled by the Licensing Division.

What is the cost of the course and how may I pay for it? 
  • The cost of the Texas Insurance Adjuster's course is currently $299 (subject to change). You may pay using all major credit cards (Visa, MasterCard, Discover, American Express) and Telecheck.


After completing the course, how will I get my license?
  • This course is approved as a substitute for the Texas Adjuster Exam; if completion of this 40 hour course and exam is successful you will be exempt from taking the exam through the Texas Department of Insurance. 
  • Upon completion of the final exam Classroom Online/ 360training will mail your Certificate of Completion within 5-7 business days. You will need to mail that along with your Fingerprint receipt, TDI Adjuster Application and the $50 fee to TDI.

We are one of the few providers that the state of Texas will accept our final online exam  in lieu of the state exam. This means that you do not have to go to a testing facility to take the state exam...and no further expense.  At the conclusion of the course you will see a downloadable form (affidavit) that a non-relative (neighbor, friend) can sign to attest that you took the exam.

You have to pass the exam with at least a 70 and you have 2 chances to do that.  When accomplished, you then 
Complete the Licensing - Individual Application for Insurance License, (TDI Form FIN506)
pay the application fee;
submit the fingerprint receipt; and
submit documentation that exempts you from the exam.(which is our printable certificate of completion and the signed affidavit))

They will issue your license and send it to you,  Couldnt be easier!
The license application and address for TDI can be found on the website at: http://www.tdi.state.tx.us/forms/agents.html


What are the most common Problems or Errors to Avoid when Submitting Applications to the state?
In order to assist us in providing shorter processing times, AAL has compiled a list of common problems or errors to avoid:

Not paying the required fee - In most cases, the fee is $50, but please consult the form to determine the proper fee for the license being sought.
Not including the fingerprint receipt if required, with the application - Without the fingerprint receipt, TDI staff cannot complete the criminal history background check.
Not including the course completion certificate - For licenses requiring a pre-licensing course, the course certificate is the only way TDI can verify that the requirement has been satisfied.
Not having original notarized signatures on the application - In order to verify the validity of the notarized signature, the original is required. (paper applications only)
The applicant's name, date of birth, or social security number not matching the information contained on the criminal history report - Many times this is a result of typographical errors. Please verify that all of the information is correct on the application.
Not providing addresses – All four addresses; business, mailing, residential, and an email address are required for TDI's records, in order to facilitate communications with applicants and licensees.
Not answering screening questions - Please be aware that all portions of Part I of the application should be completed regardless of the type of license being sought. If a question is not answered, the application will be deemed incomplete.



What steps should I take in order to be hirable as an adjuster?
1.Obtain your adjusters license.
2.Get carrier certified (State Farm, Allstate, Liberty, USAA, etc).  These classes are    
  normally free or have a very low cost.
3.Apply with one or several claims contractors.
4.Go to an Xactimate (property) and/or Mitchell/Audatex (auto) training course.  This is
  where you will learn how to use the adjusting software.
5.Attend a basic property adjusting course and/or a basic auto adjusting course  
  through one of the claims contractors (Worley, Eberls, Wardlaw, Pilot, etc).  Even
  though our courses are a great learning experience, it is our opinion that your money
  is best spent learning how to adjust losses from the company that hires you.  Some
  claims companies will want you to take their basic property and/or basic auto
  course from them before deploying you.


What is the difference between the $169 and $249 course

They include the exact same course BUT the $249 one comes with a 30day access (beginning when the course is purchased) to a live instructor to ask questions to.

*Access to Live Instructor:
This valuable resource provides access to a live instructor, for 30 days from date of purchase, who can tutor you on difficult concepts, answer any questions that you may have concerning the course content, work with you on overcoming test anxiety or simply clarify test procedures for your State Licensing Exam.

Availability: Our live instructor is available to you from 8:30am to 4:30pm CST by phone and email (voicemail and email responded to.).

Instructor Bio: 
Jack Frick, CIC, CISR, AIS, M. Div. Jack has over 30 years of insurance industry experience that includes being a claims adjuster, commercial lines underwriter, claims adjuster, sales manager, agency owner, field representative and Director of Training for a major insurance carrier. Jack holds over 12 years experience as an insurance pre-licensing instructor. During his tenure as an instructor he has trained over 13,000 students with a 90%+ licensing exam pass rate. Jack has been a co-author of numerous insurance text-books, frequent industry speaker, and served 9 years at the National Alliance for Insurance Education and Research, one of the nation's leading providers of advanced insurance designations. 

What is an Adjuster?
An Adjuster is an individual employed by a property and casualty insurance company or an individual to settle claims on its behalf brought by an insured individual or company. 
The adjuster evaluates the merits of each claim and makes recommendations to the insurance company. Basically an adjuster is one who investigates insurance claims or claims for damages and recommends an effective settlement.

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Who is responsible for the licensing of Texas Insurance Adjusters?
TheTexas Department of Insurance  Agent & Adjuster Licensing Division
The Licensing Division is responsible for the licensing and regulation of persons who wish to sell insurance or adjust property-casualty claims in the state of Texas. 
At the end of August, 2007, there were 370,000 agents, agencies, and adjusters licensed. The Licensing Division processes license applications, renews licenses, registers appointments of agents by insurers, and regulates continuing education for licensees
The licensing of 3rd party administrators and premium finance companies is also handled by the Licensing Division.

Is it secure to send my credit card information over the internet?
  • Yes. Online Classroom/360Training uses a secure server to process all transactions, since credit card transactions are very sensitive in nature.

What happens if I get disconnected from the internet?
  • If you get disconnected from the internet, you will need to log back into your account using your Username ID and your password.   In this case, you will return to the beginning of the lesson you were working on.

Can I take the course from various locations and computers?
  • Our courses are set up for students to access their account from any computer that is compatible and has Internet capabilities.

What happens if I have technical difficulties or the system malfunctions during the course?
  • If you experience any problem while taking the course, please call 877.283.0544 for assistance. Customer service is provided 24/7.

Can I take this course with the AOL browser?
  • You can take the course with any browser of your choosing. But we do not support the AOL browser. This means our technical support team is not able to help you in the event of a problem while taking a course w/ the AOL browser
  •  We do suggest that you use another browser while signed on with AOL. To do this, log in to AOL and minimize the program. While still connected to the internet, click on the START button in the lower left hand corner of your screen. Click PROGRAMS, then click INTERNET EXPLORER, the program icon will have a blue "e".

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Do I need to use a PC? What if I have a Mac?
  • If you have a MAC you can still sign on to take any of our classes. Many of our customers have taken their courses on a MAC and had no problems whatsoever. However, be aware that our technical support team may be unable to assist you should you encounter technical difficulties. 
  • They do not have MACs and therefore may be unable to replicate any problem you may encounter. If you have a MAC, you will need the latest version of internet explorer as well as the latest version of the Macromedia Flash Player.

Do I need to have sound on my computer to take these classes?
  • While sound is another feature of our courses, it is not necessary for a customer to have sound in order to learn the course material or complete the course. All information played in audio is also displayed in text by the course player.

How do I get a username or password? What do I use it for? What should I do if I forget it?
  • The username and password is something selected by the student at the time of course registration. It should also be something that they can easily remember. 
  • We suggest the student use their email address as their username ID.
  •  Students will use the same username and password each time they attempt to log in to the virtual university page to access their course. 
  • This information is entered in the returning students section on the home page of the virtual university. If a student forgets his/her password, he/she can call 800-442-1149 to request this information.

How long are the courses valid?
  • All courses are available for 365 days from the date of purchase 

  • If courses are approved, all approvals will be renewed and will remain valid. There may be the occasional exception to this but students will be notified and either reimbursed or placed into another course that fulfills the same requirement at no extra charge. 


TX Insurance Adjuster ONLINE Training
About Our TX Insurance p & c adjusting training
Tx Online Insurance Adjuster FAQs
Reciprocal Licensing of Texas Insurance Adjusters




Texas  Insurance Adjuster Training Online FAQs
A Texas Insurance Adjuster is an individual employed
by a property and casualty insurance company