ADJUSTER STATE REQUIREMENT QUESTIONS

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.

Please see the list for Non-Licensing States on link above.

(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.

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.