ADJUSTER STATE REQUIREMENT QUESTIONS

You should only take this course if you are a Texas Resident, or if you live in a state that doesn’t license adjusters and are planning on declaring Texas your “designated home state.”

Do you live in a licensing or non-licensing state?

The first question to answer is whether your home state requires a license or has a different process.

Some states require anyone handling claims to be licensed as an insurance adjuster and other states do not have that requirement. We call states that require an adjuster license “licensing states.”

Some states have special All-Lines Adjuster License that cover all kinds of claims, while others have separate licenses for different types of insurance.

States that do not require a license are “Non-licensing states,” and the process to get started as an adjuster is different.

What do you do if you live in a non-licensing state?

(You will choose a designated home state)

If you live in a non-licensing state, you should obtain a “Designated Home State” or DHS license. A DHS license basically works just like having your home state license and is vital if you want to work any claims outside of your non-licensing state. If you live in Tennessee for example, you can adjust claims there without a license, but you cannot go work claims in Indiana, Florida, The Carolinas or Texas. While a host of different states offer a DHS license, we recommend obtaining the Texas All-Lines Adjuster License. Because all states that require an adjuster’s license are reciprocal if you hold an Texas license.

What to do if your home state requires a license?

If you live in a licensing state, you would start by finding out your state’s process.

One of the main steps will be to complete your state’s licensing exam.

There are two different ways this can be done:

With pre-licensing classes

Or with exam prep courses

Exam prep courses - prepare you for an exam you would have to take at a testing facility.

Pre-licensing courses - are typically 40 hr. courses you will need to complete and include the test.

REciprocity states

Reciprocity just means a state recognizes another state’s licensing requirements. If you passed the exam of a state with similar requirements, they would waive the need for you to take another test.

What is Reciprocity?

Reciprocity, or reciprocal licensing privileges, allows a licensed adjuster to obtain another state(s) license without having to pass that specific state’s exam. Thank goodness, right? Once you have your home state or DHS license, you can apply for other state licenses through reciprocity. It is not automatic – you will need to complete the required paperwork and submit the licensing fees which are normally between $40.00 – $150.00 but most licensing states are now reciprocal with each other. Excluding New York and California they do not reciprocate with any other state. Add an answer to this item.

If your state does Not require an Adjuster License and you designate texas as your home state license ?

RECIPROCITY MEANS AN ADJUSTER HOLDING A HOME STATE LICENSE CAN SUCCESSFULLY APPLY FOR A LICENSE IN ANOTHER STATE WITHOUT HAVING TO TAKE THAT STATE’S EXAM OR PRE-LICENSING COURSE

THESE STATES RECIPROCATE WITH TEXAS.

Alabama

Alaska

Arizona

Arkansas

Connecticut

Delaware

Florida

Georgia

Idaho

Indiana

Kentucky

Louisiana

Maine

Massachusetts

Michigan

Minnesota

Mississippi

Montana

Nevada

New Hampshire

New Mexico

North Carolina

Oklahoma

Oregon

Rhode Island

South Carolina

Texas

Utah

Vermont

Washington

West Virginia

Wyoming

States that DO NOT require an adjuster license.

These states DO NOT require an Adjuster License

Colorado

District of Columbia

Illinois

Iowa

Kansas

Maryland

Missouri

Nebraska

New Jersey

North Dakota

Ohio

Pennsylvania

South Dakota

Tennessee

Virginia

Wisconsin

For residence who want to obtain an Insurance Adjuster License, we highly suggest retaining a nonresident license and designating Texas as your home state (DHS) Texas nonresident license is our recommendation for adjusters from non-licensing states because of the reciprocity with all other states.

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Department of Insurance Requirements to obtain a Texas Adjuster License,

our course provides a classroom setting in which each student receives training, knowledge, and personalized help in obtaining their certification.

SELF PACED ON LINE COURSES

Department of Insurance Requirements to obtain an

Adjuster License,

For those students who are unable to attend our Classroom, we offer a self-paced, but guided learning experience using our Learning Management System.

ADJUSTER 40 HOUR PRE LICENSE COURSE 214-642-9915 / 972-379-8287

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BECOME A LICENSED ADJUSTER IN OUR 5 DAY COMBO COURSE

ADJUSTER STATE REQUIREMENT QUESTIONS

REciprocity states

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