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Posted By Ray Hall on 07 Mar 2009 01:04 PM 
...I understand the Texas reciprocal with other states  ONLY applies to adjusters who live in Texas?.

Posted By Alex

I have heard of some people getting a PO box in Texas for that reason, but i guess it never intrigued me enough though as to why before now.

The way the system works is:

 

1. If you are a Florida resident, you may take the Accredited Claims Adjuster Designation and be exempted from the state exam for the 5-20 Independent or 6-20 Company license, or take the state licensing test;

 

2. If you are a non-resident and your state requires adjuster licensing, you must have your home state's license before Florida will allow you to obtain the non-resident license;

 

3. If you are a non-resident and your state does not require adjuster licensing, you are eligible for the Florida non-resident license by taking the ACA Designation course.

Great Comments!  The whole licensing issue is very state specific and as a former licensing administrator I can verify most people get it wrong.  Thanks Bob!

Posted By BobH on 07 Mar 2009 02:47 PM

Posted By Ray Hall on 07 Mar 2009 01:04 PM 
...I understand the Texas reciprocal with other states  ONLY applies to adjusters who live in Texas?.

You don't have to be a resident of TX for the Texas adjuster license to be reciprocal with other states. 

I am a resident of California.  As noted previously, CA is one of the states that DOES NOT reciprocate with anyone.  Yet I was able to get many other state licenses due to the reciprocal nature of my NON-RESIDENT Texas license.

 

If you ever met someone who had a NON-RESIDENT Texas license, and they experienced grief acquiring OTHER state licenses, that adjuster may have a home state that does not require an adjuster license at all, such as someone living in Colorado that had a Texas  NON-RESIDENT license. 

 

That scenario of living in a state that does not require a license may force you to submit hard copy written applications to the various reciprocal states.  Sometimes you cannot do it through Sircon or NIPR if your state does not require an adjuster license. 

 

Most states will acknowledge the fact that an exam was required to get the Texas non-resident license (and waive their state adjuster exam, grant the license if you pay the fees and apply for it).  But there are exceptions.

 

 

I recently got my Oregon Non-Resident license, and had to take their test at Prometrics to get it, because they do not reciprocate with CA and would not honor the exam taken for my NON-RESIDENT Texas license.  For the specific state of Oregon, your comment would be correct.  They would waive the exam if I was a Texas resident, but made me take the test because I was a non-resident of Tx. 

 

 

Remember folks, the business of Insurance is very much a "State" focused topic, not USA.  Insurance Laws are generally at the "State" level with very few exceptions.  The variations in the state's laws, statutes, and licensing requirements for Insurance can be significant. 

 

Posted By Alex

I have heard of some people getting a PO box in Texas for that reason, but i guess it never intrigued me enough though as to why before now.
 

 

Falsifying where you live on a license application is not a good idea...  Insurance adjusting is based upon a foundation of Truth, Honesty, and the real world.  When you are looking at a loss, "it is what it is".  You should not be swayed by the contractor or homeowner if the facts do not support their words.  How can someone do that with a clear head, if they lie about their state of residence???

 

Adjusting is not a "get rich quick" activity, and anyone who falsifies an application for license will likely get caught eventually.

Herb--I also worked Ike and Gustav as my first field CAT, often learning the hard way.  Please contact me at richmar2@charter.net, so we can compare notes confidentially.

RRobinson   

In reference to Chuck’s post- I needed to get my fingerprints taken for the FL license, and they requested that they be taken electronically. I am from CO, and I went to the local police station, and they turned on the electronic scan pad, and the way it works is that they do all of your fingers at once, and then they do each finger individually.

The scan pad gives a “% of acceptable” output when each finger is completed. This is both looking at the individual finger scan for clarity and also comparing the scan to the earlier 5 finger scan to make sure there is a high correlation.

I had a few fingers which could not get a high enough % score to complete the test because of scars, worn down prints or whatever. The technician added more water to the scan pad, and that helped a bit, but still a couple more fingers need to be done to send the prints down to FL. She wanted to see if the machine was working, and she put her own finger on the scanner to see what would happen. The score came back above 90 percent for her finger, and this was comparing her finger to my 5 finger scan. She did it a few more times, and her fingers continued to get higher scores than mine did.

We both laughed, and she deleted those images and did hand prints / paper cards which were sent to FL. She said that the electronic thing gives a false sense of precision and the recognition software is not as good as one would think. 
 

Roy's link is exactly what i found to be the case as one coming from a state with no license.  I took the FL adjusters exam here (not an easy exam by the way), and another friend from CO got an online designation (ACA?) as a substitute for the exam and is now licensed in FL. 

We are FL residents. In 2006 my boyfriend got the TX Non-Res first then the FL resident. But I got my license in 2008 and I had to do the FL resident first then NR TX. But it was my u nderstanding things changed a bit when CFO Alex Sink took office.