ADJUSTER LICENSING RECIPROCITY & DESIGNATED HOME STATE INFORMATION

WHAT IS A DESIGNATED HOME STATE?

Adjusters who live in a state not requiring adjuster licensure can receive a non-resident license by claiming a designated home state. Florida and Texas allow licensees to claim either state as their designated home state. This means out-of-state adjusters can apply for a resident license in Florida or Texas. Once you are issued a Florida or Texas adjuster license, you can apply for non-resident licenses in any state with reciprocal agreements. Please check with the appropriate department of insurance for the respective state(s) you intend to be licensed to confirm application requirements.

TX Adjuster Licensing Requirements   FL Adjuster Licensing Requirements

TYPES OF ADJUSTER LICENSES

There are three main types of insurance claims adjusters:

• Staff claims adjusters work exclusively for a specific insurance firm. Staff adjusters are usually salaried employees who receive benefits including health insurance, retirement plans, and continuing education training. Staff adjusters respond only to claims for the insurance.


• Independent claims adjusters work as contract employees, often for several different insurance firms or third-party administrators. Independent adjusters often work with catastrophe insurance claims and subsequently have to travel to areas impacted by tornados, hurricanes, earthquakes, or other major natural disasters. Insurance companies often hire independent adjusters if they do not have an in-house adjuster of their own in the area.


• Public claims adjusters are usually contract workers (but can also be salaried) who work directly on behalf of insurance policyholders, as opposed to working for the insurance company. Public adjusters are employed to help individuals or businesses file their insurance claims if their insurer proposes a settlement that seems insufficient. It’s a public adjusters job to help the policyholder obtain the highest possible settlement from their insurer.