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Last Post 09/25/2014 8:01 PM by  Tim Wieneke
What state licenses should an adjuster have?
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Goldust
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09/12/2009 7:59 PM

    I have heard a lot of different stories from different Adjusters on what state licenses to have. What do you think are the most important states to have??

    JERRY TAYLOR
    Tags: Licensing
    JimGary
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    09/12/2009 9:21 PM

    Many folks here live for hurricanes, and they will probably say the Gulf states, and the Carolinas. Not a bad philosophy, but I personally have done better with hail. I have my state (Texas) and all surrounding states that border Texas. I'm sure you'll get several different opines on this subject

    JWG

    I know the voices aren't real, but sometimes they're right!
    okclarryd
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    09/12/2009 9:53 PM
    I'm with Jim. I have done better on wind and hail through the years than I've ever done on hurricanes.
    And, it seems that Michigan, Wisconsin, New York, the states around the great lakes have ice dam claims every few years.

    Or, you could just get 'em all
    Larry D Hardin
    RJortberg
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    09/12/2009 11:40 PM

    I would say 1) your home state 2) Fl and 3) TX, but it's nice to hear from Jim and Larry about the hail states as well. If your home state does not have a license, then you probably are better off getting a FL license first and then get reciprocity since FL does not do well in terms of reciprocity for those who do not have a home state license but are licensed elsewhere.

    ddreisbach
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    09/13/2009 12:44 PM

    I'm licensed to work in any state within about 1,200 miles of Houston, except NM due to the $10,000 bond requirement. Eighteen states don't require a license to work property claims. Five states (AZ, CA, HI, NV, NY) don't reciprocate with other states so I'm not licensed in them. They're all too far away, anyway. (If "The Big One" hits California I think they'll let me in. I have the CEA certification.) It could be argued that you can work hurricanes on an emergency license so you don't need the coastal states. If you do that you're giving up other types of storms in those states.

    JimGary
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    09/13/2009 1:27 PM
    Posted By ddreisbach on 13 Sep 2009 12:44 PM

    ....except NM due to the $10,000 bond.....

     

    Understandable,  I got that one this year after getting the call to go. I guess it would depend how often you would get sent there. The bond is $75-100.00. One trip will justify a few years of bond.

    JWG

     

    I know the voices aren't real, but sometimes they're right!
    ddreisbach
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    09/13/2009 10:57 PM
    Posted By JimGary on 13 Sep 2009 01:27 PM
    Posted By ddreisbach on 13 Sep 2009 12:44 PM

    ....except NM due to the $10,000 bond.....

     Understandable,  I got that one this year after getting the call to go. I guess it would depend how often you would get sent there. The bond is $75-100.00. One trip will justify a few years of bond.

    JWG

    Had no idea it was that cheap.  I'm paying $67 /year for my $1,000 Kentucky bond.  I may reconsider, although NM is still 1,000+ miles from home.

     

    Medulus
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    09/14/2009 10:05 AM
    I'm with Rich J. on this one. Home state first, then Texas and Florida. Other important states would include Oklahoma which, last I knew, doesn't like people working there without an OK license. Rhode Island, likewise, will not let anyone work even a CAT without an RI license (but then again, how often does RI have a CAT? I don't know, but I have had to go to Massachusetts and Connecticut before because GAB had to send their MA and CT adjusters with an RI license to go work RI.). Go figure.

    CA is not reciprocal, but they only require that the firm you are working for be licensed.
    Steve Ebner CPCU AIC AMIM

    "With great power comes great responsibility." (Stanley Martin Lieber, Amazing Fantasy # 15 August 1962)
    Rasar
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    08/24/2014 12:48 AM
    I heard alot about New York license. Is that a good one to have and how difficult is it to obtain?
    rwheeling
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    09/25/2014 3:30 AM

    Rasar,

    I have my NY License and you want to know how difficult it is to obtain.  I believe it depends on your Persistence.  Independent Insurance Adjusters seem to want someone to come knocking on their door and say "Here is 100 claims".  I haven't seen that person yet so I had to figure out ways to do it myself.   I ordered the study materials through the DOI website links and I actually studied it.  I didn't go to the test without reading the entire book like some others have done.  I read the information, studied and studied the review questions, and then took the leap to schedule the test.  

    If you don't have time to devote to actually studying the materials then you should hold off.  The study materials change quite frequently and I am not sure why.  I haven't seen process or policy change that much!

     

    Feel free to email me anytime with questions about it and I don't mind to help you!

    Rebah

    rebecca@scheduleit.org

    www.scheduleit.org

     

    We are committed to helping Catastrophe Adjusters in the field be more organized, efficient and productive. http://www.scheduleit.org/ Call today at 515-44 CLAIM
    Tim Wieneke
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    09/25/2014 8:01 PM

    Rasar,

    I got the NY license and of the 14 licenses I've gotten, it is the most difficult.  I don't know if California is harder.  Having the NY license does answer questions of your aptitude to take a proctored exam on the Claims business - and believe me that actually is a bonus because so few bother to do it.  The test is tricky.  I had to put in a good few weeks of study for it and had to learn about things as specific as aircraft hull policies.  You will have to learn and know policy to pass it.  Good luck.

    Tim

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