What kind of training does a Public Adjuster undertake to become licensed in the state they operate in? Are Public Adjusters required to advance their knowledge with on-going education? Who mandates their educational goals? Tiger Adjusters® answers these questions and more.
Get Help with Your Insurance ClaimReady to become a Public Adjuster? Time to hit the books and train your brain!
In most states, passing some form of certified training is required by law. You can review the Tiger Adjusters® 50 state database on license requirements. The database includes links to every state's legal statute on public adjusting.
After reviewing your chosen state’s public adjusting laws, you will enroll in and complete a 40-hour Property and Casualty pre-licensing course that is approved by the state’s Department of Insurance.
EXAMPLE OF EDUCATIONAL REQUIREMENT FROM TEXAS STATE LAW
Texas law states: "Sec. 4102.057. EXAMINATION REQUIRED. (a) Except as otherwise provided by this chapter, each applicant for a license as a public insurance adjuster must, before the issuance of the license, take and pass an examination to the satisfaction of the commissioner." LINK TO STATE LAW
After you pass the course’s final exam, you will receive a Certificate of Completion. You will need the Certificate of Completion to register for the state’s Public Adjuster exam.
A state’s Public Adjuster exam normally asks a lot of questions about insurance law, plus state law that pertains to how a Public Adjuster conducts business. You can expect questions that center on topics such as:
It is worth noting that you can secure a Public Adjuster license in multiple states, as long as you abide by each state's law. In terms of education, many states offer a reciprocal education exchange. This means that if you pass a Public Adjuster exam in one state, a second state may accept the first's state's exam without you having to go through another course and exam.
After you register and pass your state’s Public Adjuster exam and finish securing your license, you will often face on-going educational requirements which are regulated by your state.
As an example, in the state of Texas within the two-year period that a Public Adjuster license is valid you would have to complete 24 hours of continuing education.
EXAMPLE OF CONTINUING EDUCATION REQUIREMENT FROM TEXAS STATE LAW
Texas law states: "Sec. 4102.109. CONTINUING EDUCATION. (a) Each license holder must complete at least 24 hours of continuing education during the license period. The commissioner by rule shall prescribe the requirements for continuing education courses under this section. (b) Notwithstanding Subsection (a), the commissioner may waive any continuing education requirement for a nonresident public insurance adjuster with a valid license from another state having continuing education requirements substantially equivalent to those of this state." LINK TO STATE LAW
Do you know construction terms and how to effectively inspect a property to document all damage? Can you create a detailed line-by-line loss estimate that articulates every point of damage and the current cost to repair or replace building components? Do you have the negotiation skills to effectively counter-argue insurance carriers when they under-estimate damages?
State law may have required you to go through a 40-hour Property and Casualty course and exam, but the challenge is that the course is focused on insurance terms and claim law. It does not equip you to be a well-rounded Public Adjuster who is an expert in property inspection or skilled in using Xactimate software to create a Loss Estimate that will be accepted by an insurance carrier. Nor does an insurance course teach you soft-skills in negotiation, sales or marketing.
ADDITIONAL EDUCATION NEEDED
Public Adjusters at Tiger Adjusters® utilize a property inspection checklist and produce detailed photo and video documentation along with 2D or 3D "sketch" measurements to thoroughly document a claim to increase the odds of a fully covered claim settlement.
Public Adjusters at Tiger Adjusters® are trained in producing loss estimates in Xactimate software, which is accepted by insurance carriers due to their current material pricing databases and depreciation schedules.
Public Adjusters at Tiger Adjusters® are taught how to successfully negotiate with insurance carriers and review insurance policies using the ACE method: ambiguities, conflicts and errors.
Public Adjusters at Tiger Adjusters® extend their skills via training in ethics, customer service, sales, and marketing so that they can best assist their clients and service their markets.
At Tiger Adjusters®, we know that putting in the time to improve our skills brings our clients better results. Ongoing training is like hitting the refresh button on Public Adjuster skills—keeping our team sharp, up-to-date, and ready to tackle whatever new challenges that our clients encounter.
Tiger Adjusters Roar Training ProgramAll Tiger Adjusters® Public Adjusters are required to pass nine (9) core certification courses. Thereafter, a Public Adjuster, a Franchise Owner or a Franchise Manager can advance additional skills over time.
All Tiger Adjusters® Public Adjusters have their training certification rank and badge (as well as their state license information) on their personal profile page. Click here for an example: Brendan Steinbrecher
