How to become an insurance adjuster

Do you want to help determine insurance claim payouts after a storm, accident, or fire? Insurance adjusters help people recover from unexpected events by fairly assessing and settling claims.

If you want a career that blends investigation, negotiation, and a chance to help others, read this guide to learn how to get started as an insurance adjuster.

What does an insurance adjuster do?

Insurance adjusters investigate claims to assess damage, determine liability, and negotiate settlements. They work across industries like auto, health, and property insurance.

Insurance adjusters can:

• Be employed by insurance companies
• Work independently
• Represent policyholders as public adjusters

According to the Bureau of Labor Statistics (BLS), as of May 2023, the median salary for insurance claims adjusters, examiners, and investigators was $75,050. Those in the federal government earned the highest median wage, at $85,510, while those in roles with direct health and medical insurance carriers earned a median wage of $59,600.

Steps to become an insurance adjuster

If you enjoy problem-solving and working with people, a career as an insurance adjuster might be the career for you. Here's how you can become a licensed insurance adjuster.

Step 1: Obtain a high school diploma or equivalent

The minimum requirement for most entry-level positions in insurance adjusting is a high school diploma. Even so, courses in business, law, or communications can help give you a solid foundation.

Step 2: Research state requirements

Every state has different requirements for insurance adjusters, so you'll need to find out what's expected in the state where you live and plan to work.

Start by checking your state's insurance department website for up-to-date requirements, licensing exams, and fees.

Step 3: Complete pre-licensing education or training

In many states, you'll need to complete pre-licensing education before you take your licensing exam. This might include courses on ethics, state laws, and claims processes. Explore risk management executive education, and look for courses approved by your state's insurance board.

Step 4: Pass the insurance adjuster licensing exam

To assess your knowledge of insurance practices and local regulations, most states will require you to pass a licensing exam.

An insurance adjuster licensing exam may cover topics like:

• Policy types
• Claims adjustment practices
• Legal responsibilities

To prepare, use study guides and practice tests, and enroll in exam preparation courses. Passing your exam is a key step to becoming a licensed adjuster.

Step 5: Pursue additional certifications (optional)

Certifications aren't usually required for a career as an insurance adjuster, but they can boost your credibility and open doors to specialized work. Certifications in areas like property or liability claims can help you stand out and expand your career options.

Get started on edX

To learn more about the insurance industry and gain skills toward a career as an insurance adjuster, explore edX's online insurance courses.