Insurance Adjuster Schools: How to Choose
An insurance adjuster evaluates and ascribes a value to the amount of damage claimed by a policy holder. Adjusters can be employed by auto or home insurance companies, but can also work independently as public adjusters assisting policy holders. Most states require adjusters to have completed a training program and be licensed. Certificate and associate's degree programs are available in the field.
How to Select an Insurance Adjuster Program
Insurance adjuster programs are available at community colleges and 4-year colleges and universities.
Summary of Important Considerations
- State regulations
- Licensure exam preparation
- Program options
- Time commitments
- Continuing education options
When choosing an insurance adjuster school, an individual must determine whether the program's curriculum adheres to state requirements. Most states require adjusters to be licensed, and licensure is only available to individuals who have completed a training program and passed an examination. Therefore, prior to seriously considering a program, an individual should identify the requirements for adjusters in the state where they intend to work and compare them to a program's components.
Licensure Exam Preparation
Similarly, since aspiring adjusters will need to pass a state licensure exam, they should consider whether a program provides exam preparation or even administers the licensure exam. This could potentially make obtaining licensure easier.
Prospective insurance adjusters should also identify whether they would like to earn a certificate or an associate's degree in the field. Certificate programs require completion of fewer course credit hours, but these credits don't always transfer to 4-year colleges or universities. In contrast, credits earned in an associate's degree program often can be applied toward a bachelor's degree.
Individuals should consider a program's time commitment and schedule. Many insurance adjuster programs are offered on the weekends, in the evenings or completely online. Additionally, individual, at-home study programs might be available should they better fit into an individual's schedule.
Continuing Education Options
Another consideration when choosing an insurance adjuster program is the school's available continuing education courses. Most states require adjusters to complete several hours of continuing education classes every 1-2 years to prevent revocation of their license. Important aspects of continuing education classes include the number of times a year they are offered and their cost, as well as whether their content satisfies state requirements.
Insurance Adjuster Program Overviews
Insurance Adjuster Certificate Programs
Insurance adjuster certificate programs are typically offered by a school's continuing education department. These programs consist of an average of 11 weeks of study and 40-96 course credit hours. Classes typically cover:
- Principles of property and liability insurance
- Personal insurance basics
- Introduction to underwriting
- Office procedures
Insurance Adjuster Associate's Degree Programs
Insurance adjuster associate's degree programs are less common than are certificate programs. Typically, insurance adjusting coursework is a component of a business or management program. Usually, students also must complete an internship with a local insurance agency. Coursework in these programs provides instruction in general education, as well as:
- Business law
- Insurance principles
- Business communications
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