All-Lines Pre-License Course for Texas Adjusters
This course will prepare you to enter the exciting and rewarding career of an insurance adjuster.
Some classes will hand you a book, telling you to read, and ask questions if you don't understand something. Other classes will have the instructor sitting at the front of the room, reading to you for several days. This class will be engaging and interactive, using games and breakout sessions, with real-life examples to help you understand.
Upon completion of the class, you will need to take and pass a 150-question exam with a minimum score of 70.
Prior students have reported enrolling in schools whose exams were difficult, often sprinkled with obscure questions. Many fail on their first attempt without knowing which questions they answered incorrectly, only to have to study more and hope to pass it the next time.
At our school, in addition to the classroom instruction, students have access to free, online practice questions that are similar to the ones on the actual exam. As students practice, if they answer a question incorrectly, they will read why a different answer was a better choice. Upon mastering each practice exam, they move onto the next available topic. For the students who pass the online practice exams, they pass the actual exam easily, often scoring in the 90's.
If a student does fail to pass the exam, they have various options available, at no additional charge:
- Discuss each missed question with the instructor and retake the exam immediately
- Practice more with the online exams and retake the exam with the next class
- Attend any part, or all, of the next class and then retake the exam
Our desire is for you to pass the exam and ultimately become an adjuster.
|Average passing grade:||88|
Online practice exams (timed & untimed) are available for enrolled students. The untimed exams are separated by categories and the number of corresponding questions per category. The timed exams are generated from all the questions, chosen randomly.
The instructor, Clark Covey, worked as an independent adjuster handling hundreds of catastrophic claims from hurricanes, floods, hail storms, tornadoes, and fires and is currently a licensed adjuster in over 20 states.
He has worked as a desk adjuster, file examiner, team lead, dispute analyzer, auditor, and provides compliance and SIU (Special Investigation Unit) oversight to Lender Placed claims and Catastrophe claims departments. To help ensure claim handling efficiency, accuracy, and compliance, he developed several computer applications for various departments.
He is also a Real Estate Certified Professional Inspector (TREC # 20460) and a certified professional teacher in Texas.
|All-Lines Licensing Class
The following topics are covered:
- General property insurance product knowledge pertinent to adjusters:
- Standard fire policy
- Auto liabilitty (includes Texas PAP)
- Personal lines coverage (HO-A, HO-B, HO-C)
- Commercial lines coverage
- Inland marine
- Ocean marine
- Additional coverages, exclusions, and extensions
- Insurance terms and related concepts
- Texas statutes and rules pertinent to property and casualty adjusting:
- Licensing requirements
- Marketing practices
- Adjuster practices, responsibilities, and duties
- Workers compensation
The following requirements must be met before submitting your application:
- Complete 10 hours of self-study (material provided upon registration)
- On the first day of the classroom portion, submit a notarized affadavit, acknowledging completion of the self-study (a notary will be available during class)
- Complete 30-hours of classroom instruction
- Pass, with a minimum score of 70, a 150-question exam
|Clark teaching adjuster's prelicense class.|
Property Adjusting 101 Guidebook
eBook (instant download) $49.95
Print version $59.95 (plus shipping and handling)
What do I do now?
This is one of the most frequently asked questions as adjusters earn their license and it is a valid question.
An independent adjuster (IA) can earn a substantial income investigating catastrophe (hurricanes, tornadoes, wildfires, etc.) claims. The more claims they work, the higher their income, but unless you know someone who can recommend you to a company, you may have your license and do very little, if any, claims adjusting.
When a firm deploys you to a storm site, if they have never worked with you before, they may not give you many claims as they do not know what you can or cannot do. Several factors affect how many claims an adjuster may receive, such as:
- how soon they are deployed to a storm site (using over a dozen tiers, adjusters are ranked. IA firms deploy adjusters based on their ranking.)
- how effective they are processing claims (managing their time, inspecting properties, preparing estimates)
This guidebook will focus on effectively preparing an IA to be more successful. You will learn how to
- increase opportunities to receive claim assignments
- select necessary equipment to investigate claims
- determine where you will stay when deployed to a storm site
- contact claimants
- schedule inspections
- inspect properties
- prepare your estimates to pass file examiner review
- maintain finances
- obtain additional state licenses
- ensure continuing education compliance
- expand appropriate knowledge
For available class dates and prices, click here.
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