How I can become "Property and Casualty Claims Adjuster?"?

Question

What kind of education do I need?

Answer 1

Yeah, what she said..

Most people get their start as adjusters when a insurance companies hires them and trains them to be adjusters. Where I work it's a 12 week course, trainees are college grads or employees with enough brains and work ethic to pass the class.

Now to be an independent adjuster, you need experience AND to pass state certification. I think 99% of independents get their start working for a P&C company, so that's where I would start if I were you.

Answer 2

Now a days, most insurance companies want you to have a 4 year college degree to be an adjuster. It does not have to be in anything specific but you do have to have it.

Depending on how the company you go to work for is set up, as a P&C adjuster, you could handle automobile claims and/or homeowners claims. This includes property damage and bodily injury claims.

An adjusters job is to investigation, negotiate, evaluate and settle claims as appropriate. You have to be able to think on your feet , solve problems, think outside the box and have great customer service skills. It really helps if you are organized. Remember, if your talking to someone, it's because something rotten happened to them. At times, these folks will take it out on you. This is where customer service skills come it. Remember, no matter what a customer says to you - it's not personal.

Most states do require an adjusters license. Usually what ever company hires you will pay for you to take any needed classes and sit for the exam. Some states require adjusters to have continuing education each year.

If you have body shop experience, an insurance company may higher you to work as an appraiser. An appraiser goes to shops to inspect vehicles and write estimates. They don't make liability decisions and have less interaction with the policyholders and claimants. Most of their dealings are with shops. If you have good shop experience, an insurance company will not require an appraiser to have a 4 year degree. However, once hired, an appraiser may have to enroll in additional training (such as ICAR classes).

Generally, your larger insurance companies will have more openings. They usually have more turn over. You would have an easier time getting on with one of them.

However, not all insurance companies are the same. Some treat their employees much better than others. If you start with a company (and it turns out to be one of the ones that is not known for treating their claims employees well) - stick it out for 1 -2 years. Do the best job you can and learn as much as you can. Then try and get on with another company. A lot of folks leave the claims industry and the problem was not so much the job or the industry but the company they worked for.

Claims is a challenging job. You get the opportunity to really help folks but you don't get much thanks for it. Like any job, there are times when you really love your job and times when you don't like it so much.

Good Luck!

Answer 3

The easiest way to get into an insurance companies claims dept is by having experience with auto body repair or home construction. Most companies want to teach you the adjusting and liability skills their own way.

There are more and more schools that have claims adjusting programs. There is a very good one at Ridgewater College in Minnesota. Our independent adjusting company hired a new graduate from there and they were well-trained.

In most states you do not need an adjusting license if you are working for an insurance company. You will need a license if you will be working for an independent adjusting company who handles claims for many different insurance companies.

Good Luck

Answer 4

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Answer 5

None. You need to pass the state licensing test. That's the easy part - the hard part, is finding someone to hire you. It's VERY hard.

If you're hell bent on being an adjuster, I'd try to find the job first, THEN get the license.