Students operating in Ohio will be able to obtain their Adjusters P & C License upon completion of this course via Ohio reciprocity allowances. There may be additional requirements for this license, so check with the Ohio Department of Insurance if you have any questions about Adjuster Licensing rules in Ohio. Click here for more information about the adjusters license from the Texas Department of Insurance.
*Please note: Ohio may offer an approved adjuster’s license of its own. Our courseware is for a Texas adjuster’s license, which is accepted in Ohio through reciprocity allowances. The Texas Adjuster’s license is preferred because it allows for the most career flexibility and versatility.
This comprehensive course will prepare you for the final exam that will certify you as a knowledgeable, professional insurance adjuster, not only in Texas, but in the multiple states that offer reciprocity, as long as you also satisfy any unique state-based requirements. Earning the Texas Insurance Adjuster license requires attentive study, but this course will walk you through each step with clear explanations and application questions to evaluate and apply your growing knowledge.
You will have access for 365 days from date of purchase to complete your course.
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.
Lead Instructor Bio:
Jack Frick, CIC, CISR, AIS, M. Div. 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 textbooks, frequent industry speaker, and served 9 years at the National Alliance for Insurance.
Our live instructor is available to you from 8:30am to 4:30pm CST by phone and email (voicemail and email responded to within 24 business hours).
Exam Remediation: If you should fall short on your first attempt to pass the State Exam, you are encouraged to send your results to your instructor. He will analyze your scores and develop a personalized review plan to organize your study and deliver it to you by email. You can then focus your efforts on the material that is most likely to produce a passing score on your next attempt.
- Texas All Lines Pre-Licensing Insurance Adjuster’s Course (Classroom Equivalent)
- Instructor Connect 30-Day Subscription
These comprehensive courses will prepare you for the final Adjuster License Exam that will certify you as a knowledgeable, professional Property & Casualty Insurance Adjuster, not only in Texas, but in the multiple states that offer reciprocity, as long as you also satisfy any unique state-based requirements.
Reciprocity for Texas Adjuster License
Not only is the Texas Insurance Adjuster License valid in Texas, but it’s recognized in most US states. Currently, 15 states do not regulate insurance adjusters, so residents can take the Texas Adjuster course and exam. Texas Adjuster License is reciprocal with CO, KS, MO, OH, SD, VA, WI, IL, IA, NJ, MD, NE, ND, PA and TN. Texas Residents can always take this course and the online exam too to get their Adjuster License. Students do have to choose between the Property and Casualty Adjuster License and the All Lines Adjuster License. Both licenses deal with Property and Casualty claims but the All Lines Adjuster will also allow you to adjust Workers Compensation Claims.
Additionally, Ohio have reciprocity agreements with Texas, so licensed Texas adjusters can apply for a nonresident Ohio state license without taking any additional exams. For the exact licensing guidelines, students should inquire with the Ohio State Department of Insurance if they wish to apply.
What Claims Adjusters, Appraisers, Examiners, and Investigators Do
Claims adjusters, appraisers, examiners, and investigators evaluate insurance claims. They decide whether an insurance company must pay a claim, and if so, how much.
Most claims adjusters, appraisers, examiners, and investigators work full time. They often work outside the office, inspecting damaged buildings and automobiles.
How to Become a Claims Adjuster, Appraiser, Examiner, or Investigator
A high school diploma or equivalent is typically the minimum requirement to work as an adjuster, examiner, or investigator. However, employers sometimes prefer to hire applicants who have a bachelor’s degree or some insurance-related work experience or vocational training. Auto damage appraisers typically have a 2-year vocational award or work experience in identifying and estimating the cost of automotive repair.
Claims Adjusters, Appraisers, Examiners, and Investigators
2010 Median Pay
Work Experience in a Related Occupation
Number of Jobs, 2010
Job Outlook, 2010-20
Employment Change, 2010-20
$58,460 per year
$28.11 per hour
Minimum high school diploma or equivalent.
Work under supervision of an experienced
- Determine claimant’s insurance coverage based on available forms and data.
- Perform onsite visits and assess property damages.
- Examine police reports, medical records, bills and property damage to determine the accountability of parties involved.
- Draft accurate reports and reviews on property damage costs, estimates and investigation findings.
- Conduct extensive research and interviews to correct document errors or omissions.
- Research and collect evidences for legal purposes.
- Refer dubious claims and fraudulent activities to investigators or claims adjusters for further investigation or settlement.
- Negotiate for claims settlements and recommend litigation when deemed necessary.
- Coordinate with claimants, police personnel, witnesses, doctors and other parties involved to find out the validity of claims and determine whether the claimant qualifies for the settlement or not.
- Perform data analysis based on investigations, recommendations and findings.
Tools & Technology
Listed below are the devices and software used by an insurance claims adjuster to perform his or her job efficiently:
- Event Data Recorders (EDRs)
- Measuring wheels
- Mobile organizers or personal digital assistants (PDAs)
- Field Computers and Mobile Devices
- Analytical software for EDRs and fraud detection
- CAD software for recording evidence and visuals such as MapScenes Evidence Recorder and Visual Statement Investigator
- Document Management System
- Record Keeping Software
- Financial Analysis Software
- Adept in writing in the English language, especially with grammar, syntax, and rules of composition
- Understand the concept of customer service and be able to ensure client satisfaction
- Background on performing administrative and clerical duties and skilled in word processing, file organization, stenography and transcription, and other related tasks.
- Knowledge of state rules and regulations, performing due diligence, executive orders and the US political process
- Background financial and mathematical knowledge and their theories and applications
- Active Listening: Involves listening intently to what people are saying, contextualizing and analyzing what is being said, asking the right questions at the right time.
- Analytical Skills: Using logic to weigh the consequences of actions as well as in reviewing and analyzing relevant information in coming up with a solution.
- Reading Comprehension: Effortlessly understanding the logical flow and meaning of sentences in documents and reports.
- Communication Skills: Knowing how to effectively convey thoughts and information.
- Convincing Power: Knowing the proper way of negotiating and using the nuances of language.
- Writing Skills: Communicating in a clear and concise language suitable for business and the needs of the target audience.
- Good Judgment: Knowing how to leverage available resources and having foresight when choosing the appropriate action/solutions.
- Perceptiveness: Being sensitive to other people’s actions and reactions.
- Data Gathering: Identifying and categorizing information by interviewing people, investigating places, events and people, and reviewing existing pertinent documents.
- Record Keeping: Data encoding and organization—both in written and electronic form.
- Basic and Advanced Computing: Using various types of computers and computers systems in data encoding, analysis and communications.
- Multitasking: Prioritizing important tasks over unimportant ones; setting goals
- Data Analysis and Review: Verifying information and evaluating information in faithful observance of standards and regulations.
- Problem Solving: Resolving conflicts and negotiating with people to prevent any further complaints and disputes. Analyzing information to provide the best possible solution to problems.
- Coordinating with Senior Level Officers and Peers: Relaying information to seniors, colleagues and subordinates through all available methods of communication.
Most enrollees and graduates of an insurance adjuster school already have a bachelor’s degree prior to getting an adjusters license (35 percent). Still, a majority of these graduates have received some college education but did not finish their degrees. About 14 percent of insurance adjusters are master’s degree holders.
Percentage of Respondents
Education Level Required
Some college, no degree
Support – Providing assistance to employees in observance of company policies, company ethics, and human relations principles
Valuing Relationships – Being a team player and working harmoniously with authorities, seniors and colleagues.
Freedom and flexibility – Having the freedom to work independently but holding oneself accountable for the outcome of one’s own work and sometimes, the work of others