As A Public Insurance Adjuster, You Can
Assist with a wide variety of property claims, including home, auto and commercial.
Advocate on behalf of individual policyholders and become a trusted expert.
Work in a dynamic career that offers a lot of variety. You’ll be in the field a lot.
Apply skills that you’ve picked up in other careers, such as construction.
How Do I Get My Adjuster License In Texas?
Insurance adjuster licensing requirements differ a bit from state to state. In Texas, you’ll need to complete several steps before you’re eligible for your license. Those steps include:
- Prelicensing education – Texas does not require insurance prelicensing classes before taking the exam, so this technically isn’t required. However, the public adjuster test is designed to be difficult, so prelicensing courses are highly recommended.
- Passing the licensing exam – You’ll need to schedule your adjuster exam online or over the phone, and do it at least one day in advance. To pass, you’ll need a 70 or higher, just like in school. If necessary, you can attempt the test multiple times.
- Provide fingerprints – You will need to submit your fingerprints. These will be used to complete a background check. We show you the steps.
- Apply for your Texas Public Adjuster license – Texas uses SIRCON to process insurance license applications. You’ll need to apply through this portal to receive your license.
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Set aside time for continuing education – The insurance industry is constantly changing, and so Texas requires insurance adjuster to complete 24 hours of continuing education every two years to remain current.
What Do I Need To Know For The Texas Public Adjuster Exam?
The Texas Public Adjuster test consists of 100 multiple-choice questions and you’ll have 2 hours to complete it. The exam is far from impossible, but it is designed to thoroughly test your knowledge of the industry, so studying is a must. Prepare to see the following on the exam:
- Policy product knowledge – Adjusters are expected to know how to understand and communicate the details of various insurance policies. This includes fire, home, auto, commercial and inland marine insurance policies.
- Insurance terms and knowledge – Working in insurance means you’ll need to understand a glossary of industry-specific terms. In addition, public adjusters must be familiar with policy provisions like declarations, exclusions and conditions.
- Texas-specific regulations – Every state applies its own regulatory language to the insurance industry, and Texas is no different. The Texas Public Adjuster exam has a small section that will test your knowledge of these rules and statutes.
The Texas Public Adjuster test is fact-heavy, but it isn’t difficult if you know the facts. The state-wide first-time pass rate is 55 percent, but your chances will be much higher if you study the material thoroughly before attempting the exam.
Free Preview Lessons
Some of the Test Crushers P&C course lessons are available to preview for FREE. See if you like my style and the way I explain things.
Test Crushers PA Course Curriculum
- Link to Free Online Policy Library
- Lesson Seven - HO3 Basic Coverage (46:58)
- Lesson Eight - HO3 Loss of Use of Your Home (15:37)
- Lesson Nine - HO3 Additional Coverage (27:19)
- Lesson Ten - HO3 Perils Insured Against (26:19)
- Lesson Eleven - HO3 Section 1 Conditions (52:05)
- Lesson Twelve - The "Other" HO Series Policies (8:14)
- Lesson Thirteen -HO3 General Policy Conditions (17:49)
- Lesson Fourteen - The 3 Dwelling Policies (23:46)
- Homeowners By the Numbers Quiz
- Lesson Fifteen - Intro to Commercial Insurance (3:58)
- Lesson Sixteen - The BOP - Basic Coverage (29:19)
- Lesson Seventeen - The BOP - Additional Coverage (22:43)
- Lesson Eighteen - The BOP - Coverage Extensions (17:58)
- Lesson Nineteen - The BOP - Exclusions (7:05)
- Lesson Twenty - The BOP - Limits and Conditions (17:06)
- Lesson Twenty-One - The BOP - Optional Coverage (9:29)
- Lesson Twenty-Two - The BOP - Definitions and Conditions (8:52)
- Lesson Twenty-Three - The Commercial Package Policy (CPP) (25:59)
- Lesson Twenty-Three-A Garage Keepers Coverage (8:35)
- Lesson Twenty-Four - Equipment Breakdown Protection (11:21)
- Lesson Twenty-Five Bonds (11:55)
- Lesson Twenty-Six Limits of Liability (4:58)
- Lesson Twenty-Seven The Inland Marine Program (20:40)
- Lesson Twenty-Eight-A Flood Insurance Basics (Not on test, but good to know) (16:58)
- Lesson Twenty-Eight-B Motor Truck Cargo (6:55)
- Lesson Twenty-Eight-C Ocean Marine (24:06)
- Lesson Twenty-Eight-D Aircraft Coverage (3:51)
- Miscellaneous Notes on Miscellaneous Policies and Coverage (7:09)
- Lesson Six - Liability Basics (34:14)
- Lesson Fifteen - HO3 Section 2 Conditions (8:03)
- Lesson Twenty-Seven - COMMERCIAL LIABILITY (50:21)
- Lesson Thirty-One - Personal Auto Basics and Definitions (21:13)
- Lesson Thirty-One A - Auto Liability (32:43)
- Lesson Thirty-One B - Auto Med Pay and PIP (17:35)
- Lesson Thirty-One C - UnInsured/UnderInsured Motorist Coverage (15:58)
- Lesson Thirty-One D - Comp and Collision (24:36)
- Lesson Thirty-One E - Terms and Conditions (6:03)
- Lesson Thirty-Two - Business Auto (33:15)
- Lesson Thirty-Five - Flood and other Misc. Coverage programs (19:15)
What Is The Difference Between A Public Adjuster, A Staff Adjuster And An Independent Adjuster?
There are a few types of insurance adjusters in the industry, but their jobs are generally the same. The major difference is who each adjuster represents. Public Adjusters represent individual policy holders, while Staff Adjusters and Independent Adjusters both represent the insurance carrier. And, a Public Adjuster is paid for his services by the policy holder who engages his services.
Prepare For The Adjuster Exam With Test Crushers
Test Crushers specializes in insurance prelicensing education, including adjuster courses. Our classes are designed to maximize your chances at launching your insurance career. That’s one reason to pick Test Crushers. Here’s six more:
Test With Confidence
Test Crushers students pass the exam at a Much Higher rate than the state-wide average of 55%.
State Info Included
The exam includes quite a bit of regulatory and compliance content. Our classes will prepare you for this section of the test.
College-Level Learning
Our classes are organized and delivered as academic courses. You’ll learn everything from the foundation up.
Enhance Your Career
When you’re ready to take your insurance career to the next level, Test Crushers can help. We also develop classes for General Lines Life and Health, and Property & Casualty Agent licenses.
Practice Quizzes And Test
There’s a lot of knowledge to retain for the test, so make sure you’re retaining it with our practice quizzes and tests, which are included with the course.
Double Up Your License
With what you’ll learn in the Test Crushers Public Adjuster course, you’ll be well on your way to passing the General Lines Property and Casualty Agent exam. All Lines Adjuster, too.
Hi, I'm Tim ONeill, Test Crusher.
I have studied my whole career to learn how to do a course like this one. Back in the 90's, when I was a claims adjuster, I did a lot of storm duty. Hail, hurricanes, floods, you name it. In the evenings, I took all of the insurance classes I could find.
I achieved the signature academic credentials in our industry: CPCU, CLU and AIC. I wanted those credentials because they mean something in our industry. I did not know back then that someday I would be teaching a course like this one. But now I am glad I spent all those years learning the academic side of the business, because it is what allows me to present this course to you in a way that will make sense. I have been an agent since 2000. (TDI LICENSE #720028).
I teach this class AS an adjuster, FOR adjusters. My teachers taught me, and now I am passing that knowledge on to you.
MY MONEY BACK GUARANTY:
COMPLETE MY ENTIRE COURSE IN GOOD FAITH AND CRUSH MY PRACTICE TEST - IF YOU THEN CAN'T PASS THE STATE EXAM AFTER 3 TRIES, I WILL GIVE YOU YOUR MONEY BACK.
WHAT MAKES TEST CRUSHERS THE BEST?
THIS IS NOT A CRAM COURSE. AND IT'S NOT A DUMBED-DOWN INSULT TO YOUR INTELLIGENCE. THIS IS AN PROFESSIONAL COURSE. I WROTE THE ENTIRE PROGRAM. IT HAS MY NAME AND MY PICTURE ON IT. YOU ARE WORKING WITH A REAL PERSON - ME.
I HAVE DEVELOPED A METHOD THAT ALLOWS EVERYONE TO PASS THE EXAMS. IF YOU COMPLETE THIS COURSE, YOU WILL EITHER GET YOUR LICENSE OR YOU'LL GET YOUR MONEY BACK. YOUR SUCCESS IS WHY WE DO THIS. WE WANT YOU TO DO WELL AND GET A GREAT JOB!
