Below are some FAQs for adjusters. Click on the question to view the answer. If you need additional information, please feel free to contact us.
There are two types of property adjusting: daily claims and catastrophe claims. Daily claims deal with common "day-to-day" homeowner issues (pipe/water leaks, window breaks, tree falls on a house, etc.). Catastrophe (CAT) claims deal with floods, hurricanes, tornadoes, earthquakes, and so on. CAT adjusters sometimes choose this concentration and then travel to different areas where catastrophe adjusters are needed. You can do one or the other, or both, depending on your time, schedule, and interests.
Also, keep in mind that there is a big difference between commercial and residential adjusting. Generally, commercial property adjusters deal with bigger claims and have more industry experience.
Florida issues a single license type for all property loss adjusters. The license always ends in a -20, but the designation before the -20 is based on a couple of factors.
- If you’re a resident of Florida, you will apply for the independent 6-20 All-lines Adjusters license. The current requirement for residency is a physical address where Florida can send the paperwork.
- If you’re not a resident of Florida, you can apply for the 7-20 or 70-20 All-lines Adjusters license. The 7-20 license is, essentially, the same as the 6-20, but is designed for adjusters that don’t have a physical location in the State of Florida.
- The 70-20 Designated Home State (DHS) Adjuster license is the same as the 7-20, but is primarily designed for non-residents living in states that don’t require adjuster licensing. Both licenses give you the same authority to adjust claims. Using Florida as your home state, the DHS ensures that the you will have the same reciprocal and claims handling privileges as residents of Florida. You can learn more on the Florida DFS website.
- A public adjuster (PA) is required to have the 3-20 All-Lines Public Adjuster license. The difference between a Public Adjuster (PA) and Independent Adjuster (IA) is discussed in a separate section of our FAQ; however, to become a public adjuster you are required to first obtain the 6-20 license.
The WeTrainAdjusters Florida PPIA Licensing and Designation course gives adjusters the quickest, most cost-effective path to becoming licensed. Our online course meets all of Florida's educational requirements and exempts students who successfully complete the online training from having to take the Florida State Exam.
The basic difference between an IA and PA is who the adjuster is working for. Independent adjusters work for insurance companies. Their goal is to ensure that they get the information needed by their companies to settle claims. On the other hand, public adjusters work for people who are insured. Their goal is to help make sure that insured claimants receive the settlement they're entitled to under the terms of their policy.
In Florida, the requirements for the two positions are very different. For the most current information, visit the Florida Department of Financial Services.
Some of this depends on the type of adjusting that interests you. Our courses currently concentrate on residential property adjusting. If that's your interest, then we have a number of courses to get you started. If you are interested in learning general information about the job, duties, and responsibilities of residential property adjusters, I'd suggest you start with the course Introduction to Catastrophe Claims Adjusting. Even though it refers to catastrophe adjusting in the title, it is a good introduction for almost anyone new to the job.
Below is the order in which we recommend taking the courses if you are new to property adjusting. You will have to consider any prior knowledge that would allow you to skip certain courses. Nonetheless, the list below is a layout of the courses assuming you know nothing. Tools of the Trade, Working with Digital Photos, and Residential Construction Basics can be taken in any order, but they are optional depending on your knowledge. They include background information that is important to claims adjusting and the insurance industry.
- Insurance Basics (optional)
- Adjuster Tools and the Digital World (optional)
- Residential Construction Basics (optional)
- Homeowners Policy Interpretation
- Claim File Components
- Property Adjusting 101
From there, if you want to concentrate on daily claims, you may need information on adjusting water losses. Our main courses that address this need are
Writing estimates is now typically done on a computer using an estimating application program. Therefore, in order to successfully write estimates you will need to learn the computer/software estimating packages that are used by the insurance company or adjusting firm with which you are working. The most popular estimating package is Xactimate. A couple of the other packages available are IntegriClaim and PowerClaim. Our online video Xactimate training courses will supply you with everything you need to successfully write claims.
You can learn a lot of what is required to be a property adjuster by taking our online courses. If you're not currently licensed, you can take our Florida Licensing and Designation course to obtain your Florida Adjuster license. We are not currently offering courses on the estimating package; therefore, that is another key area of training that you will have to address. If you are interested in catastrophe claims adjusting, you can either get a temporary license that relates to a specific type of catastrophe (hurricane, tornado, flood, etc.), or you can obtain the standard adjuster's license. The temporary license will be good for a certain amount of time, depending on the state and the catastrophe at hand. Check state websites for specific state requirements.
If you want to adjust daily claims in a particular state, you will have to have a license for that state. In addition, many states require adjusters to take an adjuster exam; however, some states don't require a state exam. Some states have reciprocity with other states, meaning that if you get a nonresident license in one state, you can then get a license in another state where you'd like to work.
We work with HurriClaim Training and have state approval in Florida to offer the PPIA Licensing and Designation course. This will allow you to obtain the Florida all-lines adjuster license without taking the state exam. Be sure to check all state requirements on the Web for specific state information.
In order to get your fingerprinting done, you have to go to an authorized vendor (listed on the Florida DFS website) and you can schedule an appointment using their online system. Once that’s done, the fingerprint results will be sent to Florida DFS electronically.
Read about fingerprinting on the Florida DFS site at https://www.myfloridacfo.com/division/agents/licensure/agents-adjusters/fingerprinting.htm
Then go to this site to schedule your fingerprinting: www.L1enrollment.com/FLInsurance
As a licensed adjuster, you can work directly for an insurance company or an independent adjusting firm. You can work as an "independent" adjuster wherein you offer your adjusting services to an independent adjusting firm, which in turn is hired out by insurance companies.
Treat getting a job as an adjuster like you would any job search. If you have contacts within the insurance industry, reach out to them. Check job sites like monster.com or ziprecruiter.com. Use a search engine like Google or Bing. Good starting searches are “Independent adjuster jobs” and “Florida adjuster positions”.
Also, keep in mind that the best opportunity for new adjusters is during a CAT. A CAT (catastrophe) is an event that generates a need for a lot of adjusters in a short period of time. In Florida, this is most often a hurricane or hail storm where there is a widespread loss.
WeTrainAdjusters offers a resume review service. This is a review and upate of your resume by one of our professional editors. It is included in a number of our training packages that we offer.
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