Texas seems to be the capital of insurance adjusters.
Whether working on auto collision claims, hail, flood, or wind claims, Texas seems to have all of the weather that creates work for insurance adjusters.
If how to become an insurance adjuster in Texas is on your mind, you’re in the right place.
In this article, I’ll review the steps for becoming an insurance adjuster in Texas, along with some tips on how to get your career started in the Lonestar state.
If your state doesn’t require an insurance adjuster license, you can use Texas as your designated home state. Check out the insurance adjuster license requirements for your state, and find out if this applies to you.
So whether you live in Texas, or you want to start working there as an adjuster, here’s everything you need to know.
5 Steps to become an insurance adjuster in Texas
Below, I’ve outlined the basic steps you’ll need to take to become an insurance adjuster in Texas. Then I’ll go into a little bit more depth on each step and offer some helpful tips to get your career off to a good start.
The steps to becoming an insurance adjuster in Texas are:
- Complete your Texas insurance adjuster pre-licensing course
- Pass the included Texas Adjuster State Exam
- Fill out an application with the Texas Department of Insurance
- Get fingerprints for your background check
- Submit all required documents through Sircon and pay fee
Now that you know the steps, here’s some more detailed information on getting them done efficiently.
1. Complete your Texas insurance adjuster pre-licensing course
The state of Texas requires that if you are going to handle claims as an adjuster, that you get an adjuster license. There are a few different licensing options, but we suggest you get the Texas All-Lines adjuster license.
Getting an adjuster license is fairly straightforward, but it takes time, effort, and energy. You’ll need to complete a pre-licensing course to earn your Texas adjuster license.
We recommend AdjusterPro’s Texas All-Lines Adjuster Pre-licensing course. It is online and makes getting through the 40hr course easy. You can consume the material in your own time, anywhere you want to study.
There are also in-person classes that you can find if you’d rather be in a physical classroom.
2. Pass the included Texas Adjuster state exam
If you’ve studied hard and taken the AdjusterPro pre-licensing course, you’ll likely have no trouble passing the final exam included in the course.
A word of caution though: This isn’t an EASY test. YOU MUST do the coursework and study.
Although not all of it is applicable to the work you’ll do as an adjuster, the information in the pre-licensing course is valuable insurance policy information. The Texas Department of Insurance wants to make sure you understand how policies work before licensing you to settle claims.
You may feel overwhelmed that none of this is preparing you for how to do the actual job, but take heart. There are lots of free claims adjuster training and study materials on the internet to help prepare you for this career. Get serious and get this licensing exam passed so you can get on with your career.
Once you have passed your test, celebrate! Do a dance, take a date night, or collapse on the couch and sleep. You’ve earned it.
3. Fill out your Texas insurance adjuster license application
With the pre-licensing course and exam completed, you’ll need to focus on filling out your paperwork for the Texas Department of Insurance. Your application is completed and submitted through a website called Sircon.
The application contains all your personal information that the state of Texas requires before granting you an insurance adjuster license.
Before submitting the application, you’ll need to complete the next few steps.
4. Get fingerprints for your background check completed
The state of Texas requires that you get fingerprinted so they can run a background check through the FBI and the Texas Department of Public Safety.
You can read all the requirements of the fingerprinting process, but the general idea is to schedule an appointment with IdentoGo, get fingerprinted, and receive a receipt to submit with your application.
The digital fingerprint process costs around $54.00 through IdentoGo.
5. Submit all required documents through Sircon and pay the adjuster application fee
Now that you have completed all the steps above, you are ready to submit your adjuster license application so you can become an insurance adjuster in Texas.
Return to Sircon and submit everything to the Texas Department of Insurance. Upon submission, you’ll have to pay a non-refundable fee of $75.00 to the State of Texas.
You’ll now wait for Texas to process your application and inform you that you are a licensed insurance adjuster in the state of Texas.
Tips for getting work as a Texas insurance adjuster
While getting licensed is a painful process, MANY people do it. In 2017 alone, 17,732 people received their Texas adjuster license. Although getting your license is something to be proud of, it doesn’t mean you’ll automatically be handed a job.
Now we need to work on getting you WORK! Below is a list of ways you can increase your odds of getting work as a newly licensed insurance adjuster.
1. Get adjuster training
Being properly trained in the correct software for auto or property claims is huge if you plan to write estimates on damaged property. Also, the correct way to inspect damages and job skills training are SO IMPORTANT for you to have a shot at getting hired.
At IA Path, we specialize in online adjuster training. If you need help in this area feel free to check out the training and mentorship options we have available.
2. Fix your resume
Let’s face it. Most people have crappy resumes. Most of us don’t even get what a resume is for. Making your resume stand out is one of the easiest ways to get work as an adjuster.
You need a resume that states more than just your work history. You need an insurance adjuster resume that gets you hired.
3. Find a mentor
When I got started 11 years ago, my father-in-law mentored and trained me under his wing for six months.
Without my mentor, I would NEVER have made it as an independent adjuster or auto damage appraiser. I highly recommend finding an adjusting mentor so they can shave off years of mistakes from your career and introduce you to people in the industry.
At IA Path we offer virtual online adjuster mentorships that get the common 2 to 5 year experience requirement waived with over 20+ independent adjusting companies.
With your Texas adjuster license in hand, you are well on your way to becoming a working insurance adjuster in the great state of Texas.
If you need more help in learning how to become a working adjuster, I invite you to check out IA Path free adjuster training videos that walk you through how to get started as an independent insurance adjuster.
We’ll explain how the industry works, how to get hired, and provide a step by step process of how to get your career off to a great start.
You can also check out our post on insurance adjuster fee schedule details to find out more about how you’ll be getting paid.
Frequently asked questions about becoming an insurance adjuster in Texas
How much does it cost to become a licensed insurance adjuster in Texas?
The costs to become a licensed insurance adjuster in Texas are roughly $408.00. You can see the breakdown below.
- AdjusterPro pre-licensing course $279.00
- Texas adjuster license application fee $75.00
- IdentoGo digital fingerprinting fee $54.00
How long does it take to become a licensed insurance adjuster in Texas?
For the average student, it will take about 2 months to become a licensed insurance adjuster in Texas.
Most people take 2 to 4 weeks to complete their pre-licensing course and exam through AdjusterPro. You then need to complete the fingerprinting and other paperwork to submit to the Texas Department of Insurance.
Once everything is submitted, the Texas Department of Insurance states that it will take 2 to 3 weeks to process the application.
See the complete breakdown of the time investment below.
- Complete pre-licensing and exam: 4 weeks
- Complete fingerprinting and paperwork: 1 week
- Texas Department of Insurance Processing: 3 weeks
Are there Texas-based appraisal or adjusting firms that new adjusters can apply to?
There are a LOT of companies in Texas. There are major catastrophic companies and local companies handling daily claims work.
Most new companies require extensive onboarding and training for you to get the opportunity to work. At IA Path, we partner with a few local companies who provide our graduated IA Path students with work opportunities.
If you’d like to be added to this list, please get in touch.