To become a public insurance adjuster, one needs a combination of licensing, formal education, and insurance agency experience. They must work independently and advocate for the benefits of the individual who files a claim. A high school diploma is the minimum requirement, but a degree in finance, business administration, or economics can be helpful. Experience can be obtained through a private insurance agency or a company that handles public adjustment claims. Local licensing requirements must be met, and the final step is to open an office or start a company that specializes in public claims adjustments.
A combination of licensing, formal education, and insurance agency experience is required to become a public insurance adjuster. One of the main points is that in order to become a public insurance adjuster, an individual must be willing to work on their own. Public insurance adjusters do not work for any particular insurance company and advocate for the benefits of the individual who files a claim.
The minimum formal education requirement to become a public insurance adjuster is a high school diploma. Many insurance adjusters earn undergraduate degrees before entering the field. There is no specific graduation requirement, although people may find degrees in finance, business administration or economics useful. Some universities offer degree programs and specific courses in insurance.
In lieu of an undergraduate degree, some who want to become a public insurance adjuster opt for additional experience. If a degree is earned, direct insurance agency experience is usually required. Individuals can work as private adjusters before opening their own practice or in a related position that deals with handling insurance claims.
Experience can be obtained through a private insurance agency or a company that handles public adjustment claims. Many large insurance carriers hire recent college graduates to work in claims or claims processing departments. While these positions are more customer service oriented in nature and often involve handling inquiries in an inbound call center, they can provide exposure to the complaints process. Some of these insurance carriers may offer cross-training on adjustments and the adjustment process.
It can be beneficial for anyone wanting to become a public insurance adjuster to get at least two to three years of experience before starting their own business. Understanding the adjustment process and its requirements is very important, as is networking with the industry. Likewise, it’s vital to take the time to build a list of potential clients and referrals before going fully self-employed.
During an individual’s experience with a private insurance company or before opening their own agency, local licensing requirements must be met. Each local area will have specific insurance licenses that an individual wanting to become a public appraiser must obtain. These licensing requirements often need to be maintained and updated periodically, which may require taking adult education courses.
The final step to becoming a public insurance adjuster is to open an office or start a company that specializes in public claims adjustments. Since public adjusters work for themselves, they are responsible for business expenses, soliciting clients, and filing claims for adjustments on behalf of their clients. Adjusters often need to be mobile as they often travel to the location of the claim or to the location where the damage occurred. It is recommended that portable computers, personal digital assistants and digital cameras be included in the business expenses of a public assessor.
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