5 Steps to Becoming an Insurance Claims Adjuster
Like many people, you’ve probably heard that an insurance claims adjuster career is something that opens exciting new opportunities and brings a decent income. Because of this, you might also have decided that you are considering a career as a Texas adjuster. However, you can’t become an adjuster right away; before you can work as one, you first need to take several important steps. These include:
- Determining if claims adjusting is right for you
Not everyone can take being an insurance claims adjuster. You’ll be working with people who have gone through a tragedy or significant accident in their lives, which means you need to have good communication skills so you can get the information you need while still expressing empathy. You should also excel in time management since you’ll most likely handle several claims at once and will need to set appointments with many people.
- Deciding on the type of adjusting work you’ll do
There are three basic types of claims adjusters. Public adjusters represent policyholders and help them obtain the compensation they deserve. Staff adjusters, meanwhile, are employed by insurance companies and determine if the policyholders’ claims should be approved or not. Independent adjusters function the same way as staff adjusters but, instead of being employed by a single company, they’re on the roster of several insurance companies and are on-call when disaster strikes.
- Getting a degree
This isn’t a requirement to becoming an insurance claims adjusters; in fact, a high school diploma or equivalent is usually enough. However, it does give you an edge since many companies prefer their adjusters to have a degree. You can take any associate or bachelor’s program, but it’s better to focus on a program that’s related to claims adjustment, such as a bachelor’s degree in risk management.
- Choosing the type of license you want
There are two main kinds of Texas claims adjuster licenses you can choose from: All Lines or Property and Casualty. The only difference between them is that an All Lines license will allow you to work on workman’s compensation claims, which makes it a better choice since it gives you a larger scope of work.
- Taking a pre-licensing course
Once you have your high school diploma, GED, associate degree, or bachelor’s degree, you can sign up for one of our online adjuster training programs here at adjusterlicenseonline.com. We offer training for both All Lines, and Property and Casualty licenses as well as Xactimate training and continuing education for claims adjusters. Our All Lines and Property and Casualty training programs count as pre-licensing courses, which means that, once you finish the course, you can immediately apply for your Texas claims adjuster license.
These are some of the steps that you should take to become a claims adjuster. Of course, remember that your To-Do list doesn’t stop at getting a license; once you’re a licensed insurance claims adjuster, you need to undergo Xactimate training and get your certification. (Xactimate is the software used cost-estimation for claims reporting.) You also need to get experience either as a staff adjuster, public adjuster, or independent adjuster and obtain continuing education to renew your license.
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