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How To Become An Insurance Adjuster

Today I’m going to show you exactly how to become an insurance adjuster.

It’s simple.

In fact, you can be on your way to an exciting new career as a claims adjuster in just a few weeks.

These are super simple steps.

Let’s take the first step.

(Did I mention it’s simple?)


One of the last ‘hidden gem’ careers in America, insurance adjusting is a stable industry with excellent earning potential, but it is not for everybody:

  • Hard and Soft Skills Required:
    The hard skills and qualifications necessary to become an adjuster are relatively simple; be at least 18 years old, hold a valid driver’s license, be a bonafide resident of your state, etc. But it’s the soft qualities that set great adjusters apart; self-discipline, an excellent worth ethic, and great communication skills.
  • Challenging but Rewarding:
    Claims adjusting is a challenging but truly rewarding career. The pay is certainly good and helping people get back on their feet after a loss is a deeply satisfying line of work.
  • Always in Demand:
    Insurance adjusters are in demand in any economy since claims remain steady regardless of economic factors. When it comes to insurance adjuster salaries, annual earnings in excess of $100,000 are realistic for independent claims adjusters, while staff adjusters who work directly for insurance carriers earn salaries ranging from $45,000 to $80,000 or more.
  • The Challenge and Opportunity of Catastrophes:
    In catastrophe situations (e.g. after a Hurricane Harvey or Irma) the huge volume of claims causes a massive increase in the demand for adjusters. During these spikes, a good adjuster can earn more in a few months than he or she would normally earn in an entire year. But you have to be ready to go at the drop of a hat and be prepared to work in an extremely challenging environment.
  • The Future is Bright:
    The industry is rapidly evolving, and employers are struggling to fill the vacuum from a generation of adjusters who are retiring out of the industry.

Want to take a deeper look at the industry to help determine if adjusting is for you? Join one of our free Webinar Q&As. We’ll cover the industry, job, and qualifications in more detail and answer any questions you have.


Most insurance adjusters choose between two career paths, electing to become either a staff adjuster or an independent insurance adjuster.

  • Staff Adjusters:
    Work as year-round employees, typically full-time, for insurance companies.
  • Independent Insurance adjusters:
    Contractors who handle claims for one or more adjusting firms.
  • Catastrophe Adjusters:
    Travel to heavily-hit areas as needed.

Both types of adjusters — staff employees and independent contractors — may handle both regular ‘daily claims’ that happen on a normal basis, as well as catastrophe claims from weather events and manmade disasters.

There are many, many more directions you can take with your claims career. As they gain experience, many adjusters will specialize in a certain type of work or claim, such as CAT, auto, workers’ comp, or marine.

Is Claims Adjusting Right For You?

In our ebook, Co-Founder Adam Gardiner uses his personal story and industry experience to help you decide if a career in claims adjusting is a good fit for you.

Download the Ebook


  • Find Out If Your Home State Issues Adjuster Licenses:
    If you live in a licensing state, you must obtain your home state license first.  The following 16 states do not license adjusters: Colorado, Kansas, Nebraska, South Dakota, North Dakota, Missouri, Iowa, Illinois, Wisconsin, Tennessee, Ohio, Virginia, Maryland, Pennsylvania, New Jersey, Massachusetts. To find whether your state licenses adjusters check out the map below or visit our Reciprocity Map.
  • If Your State Doesn’t License Insurance Adjusters: 
    we recommend getting a designated home state license from Florida, Indiana, or Texas (in that order). While you may not need an insurance adjuster license to work claims in your state, you will need one to work for any Independent Adjusting Firm or to work catastrophe claims in another state.
  • The Submission Process:
    Submit your course certificate and required forms to the state department of insurance, or take the state exam. Requirements vary a bit depending on your state but every AdjusterPro course includes step-by-step instructions for obtaining your state’s license.
  • Apply for Reciprocal Licenses:
    Once you receive your adjuster license, apply for reciprocal licenses in the states you are most likely to work in. The Gulf Coast and Eastern states are often favored by employers due to the high volume of claims.


An insurance adjuster license is only the starting point in a new career. Software training is next.

  • Xactimate Training:
    Proficiency in the industry-standard claims writing software, Xactimate, is critical for success in this career field. It is the top software used by adjusting firms. Every person who takes a licensing class or exam prep course for property insurance adjusting should take a Xactimate training course.
  • State Farm Certification:
    Carrier certifications are often required to work claims for a specific insurance company. We recommend obtaining your State Farm Certification as soon as you can. Once you’ve been hired, your employer will recommend additional training as needed.

“Proficiency in Xactimate is the single most important technical skill a new adjuster must acquire.” Adam Gardiner, Co-Founder of AdjusterPro


Whether you are looking for employment as a staff adjuster or prefer to remain independent and handle claims on a contractual basis, treat your job search as a job in itself, and you will not be disappointed.

  • Reach out to IA Firms:
    Contact the HR (human resource) departments at major adjusting firms to inquire about openings and their hiring process.
  • Get Your Resume Right and Ready:
    Create a resume that is specifically tailored to the claims industry with an understanding of what employers want. AdjusterPro students receive a copy of our Resume Guide and some example templates after course completion.
  • Expand Your Knowledge:
    Consider purchasing the Total Adjuster Package. This discounted bundle includes our 6-part video course, The Getting Work Master Series. We share our proven strategy of getting into and succeeding in the claims business.
  • Roster up:
    Get on the rosters of the employers you want with a strategic and intentional campaign.
  • Follow up:
    Follow up on your resumes, job applications, and personal contacts with diligence.
  • Network Network Network:
    Join local and national industry associations and insurance job boards and network, network, network.
  • Stay Current:
    Keep your licenses current and be prepared to deploy during a catastrophe if necessary.


To learn more about how to become an insurance claims adjuster, attend one of our FREE WEBINARS or call our Career Consultants at (214) 329-9030. We are here to help and welcome any questions you may have.

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