The Comprehensive Guide To Becoming A Successful Freelance Insurance Adjuster

Are you interested in a career as a freelance insurance adjuster? This line of work can be both well-paying and rewarding, but it requires certain skills and qualifications. Here's a step-by-step guide to help you get started on your journey towards becoming a freelance insurance adjuster.

Step 1: Understand the Role

As a freelance insurance adjuster, also known as an independent adjuster, you will typically work on a contract basis for insurance companies or third-party organisations. Your main responsibility will be to investigate and assess insurance claims, particularly in situations where the insurer's staff are overloaded or the claimant is in a remote location affected by natural disasters.

Step 2: Meet Basic Requirements

To become an insurance adjuster in the United States, you must meet certain basic requirements. These typically include being at least 18 years old, holding a valid driver's license, owning a vehicle, having proficient English reading and writing skills, and being physically capable of performing tasks in various environments.

Step 3: Education

Although a college degree is not always required, having an associate's, bachelor's, or master's degree can make your application more attractive to potential employers. Degrees in business or insurance-related fields are particularly advantageous. If you don't have a degree, consider gaining relevant work experience to build valuable skills.

Step 4: Licensing

Obtaining an insurance adjuster license is a crucial step. While some states don't require licensing, having one will significantly enhance your credibility and employability. You will need to complete a pre-licensing course and pass your state's licensing exam. Some states, like Florida and Texas, are known for their respected certification programs.

Step 5: Gain Experience

Consider starting your career as a staff adjuster or claims specialist at an insurance company. This will provide valuable on-the-job training and help you build connections in the industry. You can also look for trainee positions or internships at insurance companies or independent adjusting firms.

Step 6: Develop Skills

To succeed as an independent adjuster, you will need a range of skills, including self-discipline, project management, computer proficiency, excellent organisation, attention to detail, communication skills, investigative abilities, critical thinking, and self-promotion.

Step 7: Learn the Tools

Familiarise yourself with the tools of the trade, such as mobile devices with high-quality cameras, laser distance meters, and mobile floor plan apps, which will assist you in assessing property damage and creating detailed reports.

Remember, the path to becoming a freelance insurance adjuster can vary depending on your location and specific circumstances. Always check with your state's insurance department for the most accurate and up-to-date information.

Meet basic requirements: 18+, driver's license, own vehicle, proficient English

To become a freelance insurance adjuster, you must meet the basic requirements. These prerequisites ensure that you are eligible to pursue a career in independent claims adjusting and include:

Age Requirement:

In the United States, you need to be at least 18 years old to meet the minimum age criterion.

Driver's License and Vehicle Ownership:

A valid driver's license is essential, as is owning a personal vehicle. These are necessary for travel and transportation when investigating damage claims and performing tasks in various environments.

Proficiency in English:

Proficiency in reading and writing in English is crucial. This enables effective communication and the ability to review and create documents related to insurance claims.

Meeting these basic requirements is the first step towards becoming a freelance insurance adjuster. It is important to note that additional education, licensing, and skill development are also vital components of establishing a successful career in this field.

Decide on further education: a degree is beneficial but not essential

While a degree is not necessary to become a freelance insurance adjuster, it can be beneficial in making you a more attractive candidate to potential employers. The majority of claims adjusters possess a college degree, so if you have an associate's, bachelor's, or master's degree, you are well-positioned to pursue work as an independent adjuster.

Degrees in business or related fields are often preferred by employers, and a degree in insurance is particularly appealing. However, it is not a requirement, and you can become an independent adjuster with just a high school diploma or GED, especially if you have previous work experience that has equipped you with valuable skills and knowledge.

Ultimately, the decision to pursue a degree is up to you, and it is not a prerequisite for becoming a freelance insurance adjuster. If you decide to forego a degree, you may want to consider obtaining an insurance adjuster license, as it will increase your knowledge of the industry and your credibility in the field, making it easier to find work.

Obtain an insurance adjuster license: complete a pre-licensing course and exam

Obtaining an Insurance Adjuster License:

The requirements for obtaining an insurance adjuster license vary depending on the state in which you reside. While some states do not require licensing, it is generally recommended that you obtain a license to increase your credibility and employability. Here are the steps to obtain an insurance adjuster license:

Step 1: Complete a Pre-Licensing Course

Before taking the licensing exam, it is essential to enrol in a pre-licensing course to prepare for the exam. These courses are designed to teach you the information you need to know to pass the exam. Pre-licensing courses are offered by various organisations, such as America's Professor (AP), which offers courses in Georgia and Texas. The courses are usually designed to match your learning style and may include video lectures, textbooks, and practice exams.

Step 2: Pass the Licensing Exam

After completing the pre-licensing course, you will need to pass the state licensing exam. Most states require a score of between 60% and 75% to pass, and the exam typically consists of a national section and a state-specific section. You must pass both parts of the exam. The cost of the licensing exam varies but can range from $30 to $150.

Step 3: Submit Your License Application

Once you have passed the exam, you will need to submit your license application along with the required fee. The application instructions and requirements vary by state, and the turnaround time for receiving your license can take up to two months in states with a high volume of applicants. The license application fee can range from $15 to $300.

Step 4: Maintain Your License

To maintain your license, you will need to renew it at specified intervals, usually every two years. You may also be required to complete continuing education periodically, typically every one to two years. Make sure to keep your contact information up to date with the relevant department to receive important reminders about renewals and continuing education requirements.

Gain experience: entry-level roles are a good start

Gaining experience is a crucial step in becoming a freelance insurance adjuster. Entry-level roles in the insurance industry can provide a great starting point and help you develop the skills and knowledge needed for a successful freelance career.

Entry-level positions such as "claims specialist" or "claims analyst" are often available at insurance companies or independent adjusting firms. These roles offer valuable insights into the claims process and provide an excellent opportunity to network with professionals in the field.

As a claims specialist, you'll be immersed in the world of insurance claims, learning the ins and outs of the process. This knowledge will be invaluable when you venture into independent work. You'll also have the chance to build connections and establish yourself in the industry, which can lead to future opportunities and clients for your freelance business.

Another option is to start as a trainee or intern at an insurance company or adjusting firm. These positions often provide structured training programs specifically designed for new adjusters. You'll gain hands-on experience and develop a deep understanding of the insurance industry, claims handling, and customer service.

During this time, you should also focus on building a solid foundation of skills that will be crucial for your freelance career. Proficiency in computer skills, time management, communication, analytical capabilities, and attention to detail will all be essential for your success as an independent adjuster.

While gaining experience, it's beneficial to keep in mind that the more you can learn and the more skills you can acquire, the better prepared you'll be for the challenges and opportunities that come with working as a freelance insurance adjuster.

Develop skills: self-discipline, project management, communication

Self-discipline

Self-discipline is a skill that can be learned and developed over time. It is a key skill for freelance insurance adjusters, who need to be self-motivated and able to work independently. Here are some ways to improve your self-discipline:

• Acknowledge your weaknesses: Identify the areas where you struggle with self-discipline, such as procrastination, social media distractions, or unhealthy eating habits.
• Establish a clear plan: Set specific and achievable goals, and create a strategy to achieve them. For example, if your goal is to exercise more, plan your workouts in advance and remove any distractions that may hinder your progress.
• Remove temptations: Make it difficult to access the things that tempt you. For instance, if social media distracts you, turn off your internet connection while working.
• Practice tolerating emotional discomfort: Learn to accept and endure uncomfortable emotions like boredom, frustration, or sadness. This will increase your resilience and help you stay focused on your goals.
• Visualize the long-term rewards: Remind yourself of the benefits and positive outcomes of your self-discipline. For example, visualize how achieving your fitness goals will make you feel healthier and more energetic.
• Recover from mistakes effectively: Everyone makes mistakes, and self-discipline is a journey with ups and downs. The important thing is to acknowledge your mistakes, learn from them, and get back on track.

Project management

Project management skills are essential for freelance insurance adjusters, who often work on multiple claims simultaneously. Here are some key project management skills to develop:

• Collaboration and teamwork: Foster a collaborative environment by actively listening to your colleagues and valuing their contributions. Encourage open communication and feedback to enhance teamwork.
• Time management and organization: Stay organized by using tools like calendars, to-do lists, and project management software. Prioritize tasks based on their urgency and importance to ensure timely completion.
• Leadership: As a freelance insurance adjuster, you will need to take the lead and guide the process of handling insurance claims. Develop your leadership skills by seeking feedback, adapting to changes, and motivating your team.
• Adaptability: Be prepared to adjust your plans and strategies when faced with unexpected challenges or changes in project objectives. Stay flexible and open to new ideas to navigate projects successfully.
• Conflict resolution: Learn to handle conflicts and disagreements constructively. Practice active listening, empathy, and finding solutions that meet the needs of all parties involved.

Communication

Excellent communication skills are crucial for freelance insurance adjusters, who interact with various stakeholders, including insurance companies, claimants, and other professionals. Here are some ways to enhance your communication skills:

• Active listening: Pay full attention when others are speaking, and demonstrate your engagement through nodding, eye contact, and encouraging gestures. Focus on understanding their message and emotions, rather than just the words.
• Clear and concise language: Choose your words carefully, and avoid industry jargon when communicating with non-experts. Be direct and straightforward in your speech and writing to ensure your message is easily understood.
• Empathy: Put yourself in the other person's shoes and try to understand their feelings and perspectives. This will help you build stronger connections and respond appropriately to their emotions.
• Non-verbal communication: Be mindful of your body language, facial expressions, and tone of voice, as they can convey as much as your words. Ensure that your non-verbal cues reinforce, rather than contradict, your spoken message.
• Stress management: Stay calm and composed, especially when dealing with stressful situations or conflicts. Take a moment to collect yourself, breathe deeply, and regulate your emotions before responding.

Frequently asked questions