Most Asked Questions

Most states require adjusters to pay a fee and submit some information to renew their license every two years. This can usually be done electronically through NIPR or Sircon, but some states use an internal system of their own.

Additionally, most states also require adjusters to complete continuing education (CE) hours each renewal period. You can find the renewal information for your state by visiting our ‘Get Started’ page, choosing your state, then scrolling down to ‘CE & License Renewal.’ Details include how many hours are required in your state to renew your license and whether those credits need to contain a certain number of hours in a particular subject, like Ethics or Legislative Updates. 

The answer to this question depends on which state you are taking CE for, as the rule varies by state:

  • Alabama: Can I take the same CE course 2 years in a row and receive credit? No. You cannot receive credit for any course more than once in any reporting period. 
  • Florida: Can I take the same CE course next year? No. You cannot repeat the same course within 3 years and receive CE credit. 
  • Indiana: Can I take the same CE course 2 years in a row and receive credit? No. You cannot receive credit for any course more than once in any CE reporting period. 
  • OklahomaYou cannot repeat a course within a 24 month period.
  • Texas: You will only receive credit once if the same course is taken multiple times during a 2-year license term.

Please allow 3 business days for CE credits to appear on your transcript. Credits will be submitted using the date on your Certificate of Completion.


AdjusterPro will submit your continuing education (CE) to the appropriate state for you.  Make sure you have entered your license number in the account profile in your online classroom. To do this, click on the arrow at the top right-hand corner of your screen (to the right of the circle that has your initials in it).  Click on Profile and scroll down to Extended Profile. Enter your license number in question 3, and complete 4 and 5 if they apply to you.

If you have any questions about this, contact us at or by phone at 214.329.9030 x2.

Quiz Builder is a study tool included in our courses. It lets you build custom quizzes using questions from any of the cumulative lesson quizzes throughout your course.

Quiz Builder will automatically build a quiz made of all the questions you got wrong in the quizzes you select, but you can choose to include questions that you had previously answered correctly as well. The answers and feedback will be displayed each time you answer a question, or you have the option to hide the answers until the end of the quiz.

Xactimate, created by Xactware, is the industry’s most popular claims adjusting software. Adjusters no longer have to write claims by hand, reference pricing books, and use calculators to perform a complete estimate. The Xactimate platform has automated most of those tasks, enabling the adjuster to perform inspections and adjustments much faster.

A claims adjuster is a representative of the insurance company. After a policyholder submits a claim, the adjuster comes in to investigate the loss. The loss can be anything from a major home flood or fire to a small window break or fender bender. They inspect homes, conduct interviews, consult records, or perform any number of duties to gather the details surrounding the reported event. The adjuster then interprets the customer’s insurance policy and determines what is covered. In many cases, adjusters negotiate the settlement on behalf of the insurance carrier and may authorize payments to the policyholder.

Nearly anyone can become an insurance adjuster. A college degree is not typically required for independent adjusters but most states require a person to be at least 18 years old. While some adjusters start out in the insurance industry, many folks begin their claims career after work in other fields. Common backgrounds include property construction, inspection, or appraisal, or insurance and real estate sales. These backgrounds lend themselves well to the work of handling claims. However, teachers, farmers, attorneys, plumbers, truck drivers, and a host of other professionals have all made successful transitions into the world of insurance claims adjusting.

Insurance adjusters are needed because settling most types of insurance claims requires human judgment. Every claim is unique in its own way. While we have seen technology change the claims industry – call centers, computers, AI, and bots can’t interpret the subtleties of every home, car, flood, fire, burglary, storm, etc. the way a claims adjuster can. Field adjusters are required to use their senses, intelligence, training, and experience to interpret the insurance claims so both the customer and the insurance carrier receive a fair outcome.

Yes! Much of the new technology has been aimed at streamlining the process, both for customers and adjusters, rather than fully eliminating the personal touch. And the need for adjusters is never higher than after a large scale catastrophe strikes. In 2005 after hurricanes Katrina, Wilma, and Rita, insurance companies were desperate for licensed adjusters. And we have seen a similar situation recently after hurricanes Harvey, Irma, Maria, and Nate. Claims adjusters are some of the first people let into a disaster zone, and in fact, adjusters are often deployed before catastrophe even strikes as in the case of Harvey and Irma. Large scale events also create a domino effect around the country. When so many adjusters get deployed to a catastrophe, it leaves holes in areas all over the US that still need adjusters for daily claims or smaller scale storms and events.

In general, there is no time limit to complete your course. It will be available to you in your online classroom until it is complete.

You must receive a 70% on each quiz to pass and move ahead to the next module. You can review each lesson and take each quiz as many times as you like — it will not affect your overall grade or hinder your completion of the course in any way. Your individual quiz scores will be listed next to each module once completed.

Our practice exams are set up to simulate the actual state exam. You can take the practice exams as many times as you would like. 

After completing a practice exam, you will have the option to Retake the Test, Review All Question Results, or Review All Unanswered Questions. If you want to review your results, you must do so before continuing to the next page in the course, since once you continue the practice exam will be reset.
We recommend achieving a 90% on your practice exam before moving on to take your state exam.

Every AdjusterPro course includes state-specific instructions for scheduling and taking your state exam. You can also find step-by-step instructions for getting your license (including how to register for the state exam) on your state’s page. Visit our Courses page, type in your state, and scroll down to ‘How to Get Licensed’ to see specific instructions for your state.

Students who complete our exam preparation courses will need to register to take the state exam through their state’s testing provider: either PSI, PearsonVue, or Prometric.

Pre-licensing students will receive instructions on how to take the state exam, which is included in your AdjusterPro course*, within the course itself.

*For Georgia, Mississippi, and North Carolina students — while our courses satisfy the state’s pre-licensing requirement, students must register for and take the state exam through a test provider.

We use each state’s exam content outline, including the percentage of questions in each subject, to create every AdjusterPro course. If you would like to see a detailed breakdown of topics in the state exam, visit the testing provider’s website and follow the prompts to your state’s insurance exam content outlines and look for the adjuster exam.

We read it, of course! When you submit feedback, leave a review, or send us an email, it goes to our customer support team who diligently looks at every one. We are always trying to improve your experience with AdjusterPro, both in and out of our online classroom. We appreciate honest feedback from our students on what’s working, or what we could do better on. To help our team be as efficient as possible, we ask all students to add the title of the slide they are on when submitting their feedback within a course. This helps us be able to identify exactly where you were within a module when you gave us feedback.

So glad you asked! We offer a 100%, no nonsense satisfaction guarantee on all our courses. We are confident that you will be completely satisfied with our courses, or you will receive a full refund*, as long as you request it within 30 days of your purchase. *Very limited fine print for IN and AL customers: If you took the Indiana or Alabama state exam as part of your course, we will refund your purchase price less $100, because the states of Indiana and Alabama don’t allow us to refund the mandatory $100 exam fee.

Once your course is 100% complete, your Certificate of Completion will be available in your online classroom.

A Monitor is a person who must sit with you during your exam to confirm that you complete it without notes or an open book. Most AdjusterPro pre-licensing courses require a Monitor to be present when you take your exam in order to comply with state regulations. The Monitor must be at least 18 years old and cannot be an immediate family member or a subordinate at your workplace.

An “Affidavit of Witness” is a document completed by you and your monitor verifying that you took the exam without help from outside individuals or materials. This document must be signed by both the student and the monitor in the presence of a notary (who then notarizes the form), and then uploaded to your online classroom for AdjusterPro to review. Not every state requires an affidavit of witness but your AdjusterPro course will provide instructions if it is required for your state.

Our courses were built to work on all iPads and tablets. Layouts, scrolling and displays will vary depending on the device you have, and performance will vary depending on the browser the device uses.

And since our courses are fully HTML5 compatible, you can experience the course on your smartphone as well.

This can make working on your course possible wherever you go!

However, for the best experience, we recommend a desktop or laptop, especially when taking your exam.

Being able to study anywhere, at any time, is one of the best parts of taking a class online. But e-learning does come with its own set of challenges. When, where, how long, and how much you study all play an important role in getting the most out of your online courses. We created a two-part blog series detailing some of our best advice and practices on how to be a successful online student.

Succeeding as an Online Student Part I

Succeeding as an Online Student Part II

Your course will perform best on a desktop or laptop computer that is less than 3 years old. Either a PC or a Mac will work well. While not a requirement, the course is best viewed using a minimum screen resolution of 1024 x 768.

Web Browsers

We support the current and the previous major release of Chrome, Firefox, Safari, and Microsoft browsers. This currently includes Microsoft Edge and Internet Explorer. Each time a new browser version is released, we begin supporting that version and stop supporting the third most recent version.

Mobile Browsers

  • Current and previous Android versions
  • Current and previous iOS versions

Yes, an internet connection is required to log in and view your online course. AdjusterPro courses offer a range of multimedia features, and we recommend that you have a good broadband or network connection for the best experience.

If you have problems with the audio in your course, we recommend that you check your internet connection and reset if necessary; clear your cache; and update your browser or try another browser.

Additionally, check your speaker/headphone connection and your audio system preferences.

If you have problems viewing a video in your course, we recommend that you check your internet connection and reset if necessary; clear your cache; and update your browser or try another browser.

You may find this instruction helpful:

Overall, it is a good idea to clear out your search history, cookies, and cache regularly. You can find instructions on how to clear your cache here

If you can’t find your password or want to reset it, visit the login page and click on “Forgot Your Password?” In the next box, enter the email address associated with your course. You will receive an email with a link that will allow you to set a new password.

The software was designed specifically for construction professionals, restoration specialists, and claims adjusters. Xactimate helps adjusters:

  • – Save time and money in creating estimates
  • – Create more accurate, detailed, and professional-looking estimates
  • – Access the most up-to-date and reliable pricing information
  • – Sketch complicated roofs, rooms, layouts, and structures
  • – Automate and streamline your estimating processes
  • – Organize and manage your projects
  • – Overcome language barriers in preparing estimates

See a complete list of features at

We’ve trained tens of thousands of adjusters over the last decade, and it’s become clear that proficiency in Xactimate is the single most important technical skill a new adjuster must acquire. In fact, “are you familiar with Xactimate?” is one of the most frequently asked questions in interviews and on applications. Knowing your way around the software not only sets you ahead of the curve in the employment line, it means you can get to work adjusting claims immediately once you’re deployed. You’ll be able to work through inspections and adjustments faster and with more accuracy, which is truly money in your pocket.

The Xactimate User Certification program, offered solely by Xactware, provides a controlled exam to independently verify your product knowledge and proficiency. There are three levels of certification: Level 1 – Fundamentals, Level 2 – Proficiency, and Level 3 – Mastery. Each level increases in difficulty and is considered a prerequisite for the next level. Details on how to become certified are available on the Xactimate Training Website.

While official Xactimate Certification is only available through Xactware, the AdjusterPro Course will help prepare you for the Level 1 exam should you choose to pursue certification. It’s also worth noting that most employers want to know whether you have a working knowledge of how to write a claim in Xactimate, so make sure and include the AdjusterPro Tactical Xactimate Training on your resumes and job applications.

The software is available free for a 30-day trial period, and we encourage students to take our course during that time. Please note: your free trial starts as soon as you download the program – not when you start using it. In our experience, Xactware will usually extend your trial period if you call them and request more time. After that, you can purchase the software only through Xactware on a subscription basis. Prices start at $250 a month but vary depending on the length of the subscription, the version you need, and the device (desk, mobile, online) you use. We encourage students to start conservatively when considering an XM8 subscription as some employers will provide laptops with the software already loaded.

Our webinar uses a program called GoToTraining which allows you to hear the instructor and view their screen as they perform tasks in Xactimate. As a student, you will follow along and perform the same tasks in your free 30-day trial of Xactimate. You can ask questions live through the GoTo chat feature. After you master each task, the instructor proceeds to the next. Using this method, we lead you step-by-step through the entire process of writing an estimate. Our fantastic trainer will make sure and address all questions by the end of the session. 

A standard computer, either desktop or laptop, will work fine for the course. Once you have purchased and registered for our course, we recommend you install Xactimate on your device and open it to ensure everything is in working order prior to your webinar. While having two screens is not a requirement, it does allow you to keep one screen showing the webinar and instructor’s actions on GoToTraining, while allowing you to continue to work within the XM8 program on the other screen. Please note, most of our students use a single screen and do not report any problems.

Once you register for your scheduled webinar, we’ll send you detailed instructions on preparing for your course. Most importantly, you’ll need to install the free trial of the software on your computer and test it to make sure it works prior to your course. This will allow you time to contact the Xactware Support Center should you have any problems with the installation. Remember, the free trial starts when you download the course, not when you open or begin using it, so keep your scheduled dates in mind and plan accordingly.

Absolutely! You’ll find our instructors very knowledgeable, patient, and approachable. They take time to make certain all of your questions get answered and that you feel comfortable throughout the course.

Yes. When you go through our training, you will receive our Xactimate Exercise Manual with hours of practice roofs, elevations, and rooms of increasing complexity. Our instructors will be available to assist if you have questions about these ongoing practice exercises.

AdjusterPro’s Xactimate Course is recognized by employers as valuable training so make sure to list it on your resume and applications. With a license in one hand and Xactimate in the other, you are ready to go to work!

Our course is also approved for continuing education (CE) hours in key states. If you were licensed before you took our Xactimate course, contact the support team to have them submit CE credit hours on your behalf. For more information on which states qualify and the submission process, please visit our AdjusterPro Xactimate page.

If you would like pursue your Xactimate Certification through Xactware, details are available on the Xactimate Training Website.

It can take anywhere from 2-6 hours to download and install Xactimate, and you can only use the demo software for 30 days. It is important to note that your free trial starts as soon as you download the software so please plan accordingly with an eye on your scheduled training dates.

Once you complete the “Xactimate Training Prerequisites” module, you will be directed to the “Xactimate Webinar” module to choose your webinar dates. Come back to this module to access the webinar during your scheduled time.

You will order and download the demo directly from Xactware’s website. You’ll need a computer that runs Windows and meets the Xactimate system requirements. You can find a complete list of requirements and instructions for download on the Xactimate System Requirements page.  Instructions are also available in the ‘Xactimate Training Prerequisites’ section of your course.

The exercise book is available for download and printing a hard copy is optional. You’ll receive instructions on how to access the exercise book within your online classroom. It can also be found under ‘Additional References’ on the right-hand side of your course homepage.

**Please make sure you have this book handy and ready for use prior to the start of your class.

Yes. If you need to reschedule your session, simply log back into your “Schedule: Tactical Xactimate Training” module and select ‘Reregister.’ From there, you will be able to choose your new session dates.

Yes! While there are 16 states that still do not license claims adjusters, the majority of states do. Employers, either insurance carriers or Independent Adjusting Firms, need adjusters who can work a multitude of claims in a variety of areas. You will give yourself the best chance for employment by obtaining your home state, or ‘designated home state’ license, and then getting reciprocal licenses so you can work in other states as well.

While the industry is trying to create more uniform licensing standards, there is no ‘national claims adjuster’ license. The first step in becoming a claims adjuster is to get licensed in your home state. To see details and instructions for your specific state, click on the AdjusterPro Get Started page, and type in your state.

If you live in a non-licensing state, you should obtain a “Designated Home State” or DHS license. A DHS license basically works just like having your home state license and is vital if you want to work any claims outside of your non-licensing state. If you live in Kansas for example, you can adjust claims there without a license, but you can’t go work claims in Florida or Texas. While a host of different states offer a DHS license, we recommend obtaining the Florida 70-20 Nonresident DHS license. It offers great reciprocity and Florida has the quickest application turnaround time in the country.

States that do not currently license adjusters: Colorado, District of Columbia, Illinois, Iowa, Kansas, Maryland, Missouri, Nebraska, New Jersey, North Dakota, Ohio, Pennsylvania, South Dakota, Tennessee, Virginia, and Wisconsin.

Reciprocity, or reciprocal licensing privileges, allows a licensed adjuster to obtain another state(s) license without having to pass that specific state’s exam. Thank goodness, right? Once you have your home state or DHS license, you can apply for other state licenses through reciprocity. It’s not automatic – you will need to complete the required paperwork and submit the licensing fees but most licensing states are now reciprocal with each other. There are some caveats – New York and California do not reciprocate with any other state for example. To learn what states will offer you a reciprocal license, visit the AdjusterPro Reciprocity Map tab and click on your state. 

The bottom line: the more licenses you have, the better. States with frequent catastrophes or weather events like hail and wind are the best places to start. We recommend making sure you have both a Texas and a Florida license, as well as the other Gulf states. Oklahoma, Georgia, and the Carolinas also present a lot of opportunities, as do areas with extreme winter storms like Minnesota.

If you like a challenge, California and New York are also great licenses to have. The testing and requirements are tougher than most states, but since they do not offer any reciprocity, it doesn’t take much to create an adjuster shortage in those areas after an event.

When a huge amount of adjusters are needed after a big catastrophe, states can declare a state of emergency that will allow them to issue emergency licenses. An emergency adjuster license is temporary, good for 3 to 6 months, and can be extended as needed. These licenses are incredibly important after a disaster as they allow the state to quickly license out-of-state adjusters who otherwise wouldn’t qualify. 

But they do present a challenge – you must be sponsored by an employer to be approved. And while that doesn’t usually affect veteran adjusters, it can be an obstacle for brand new adjusters who are looking to break into the industry. It isn’t unheard of for newly licensed rookies to get an emergency license, but you can put yourself ahead of the game by simply having the actual license before disaster strikes.

While most licensing states simply require you to take and pass the exam to get licensed, other states have an additional “pre-licensing requirement.” These states require you to take a certain amount of education hours before you are allowed register to take the state exam. AdjusterPro courses contain approved pre-licensing for all the states where it is required: Alabama, Arkansas, Florida, Georgia, Mississippi, Indiana, and Texas.

We recommend all new adjusters take our Xactimate live webinar. Being proficient in Xactimate’s estimating software is a vital skill for those just entering the industry. Once you obtain your license, it is also important to get specific carrier certifications like State Farm and Allstate. You won’t be able to work claims for those carriers unless you have their certifications. Most IA Firms offer free classes throughout the year to adjusters on their rosters. Rope access training is important for adjusters wanting to work steep, high, or complex height related claims. FEMA offers courses for adjusters wanting to become NFIP certified. Ultimately, any additional certification you can obtain regarding fire and flood or water damage will serve you well.

Unfortunately there is no clear cut yes or no answer for this question. Individual state rules vary regarding issuing a license to someone with a criminal history. Most state regulations do have a provision stating that licensure “may be denied” if the person has ever been convicted of a felony or misdemeanor. Whether or not the applicant is approved or denied is often based on the type of offense and how long ago it happened, the severity, and whether it was financially motivated or involved dishonesty — both of which are major red flags. We always recommend applicants be 100% honest about their criminal history on the application. If you do not report your background and the state finds out later you were convicted of a felony, you will likely lose your current license and any future opportunity as well.

There are two components to handling an auto claim; appraising the damage to the vehicle and settling the claim itself. Appraisers play a key role in this process, since motor vehicle claims require specialized knowledge of auto repair that most adjusters simply don’t have. That’s where auto damage appraisers come in: these insurance professionals inspect vehicle damage, calculate the worth of the vehicle, and write an estimate for repair. Then the adjuster settles the claim based on the appraisal. Many states require adjusters to hold both licenses if they want to work on both parts of the claim — the appraisal and the settlement. Two states, Connecticut and South Carolina, require adjusters to hold both licenses to work on any part of an auto claim.

Generally speaking, it takes around 2 weeks to receive your license after you submit your application, however the time frame varies by state. Some states, like Indiana and Florida are usually quicker — sometimes taking just days to issue a license. Other states, like Texas, can take up to 6 weeks.

Whether or not you can submit your adjuster application before completing your pre-licensing course varies from state to state. Some states require you to apply before taking the exam while others specify that you must send your course completion certification in with your application. You will find the rules for your state by clicking on the ‘Get Started Page’ on our website and then selecting your state. From there scroll down to ‘How to Get Licensed.’

There are two basic employment options for adjusters: staff adjuster or independent adjuster. Staff adjusters work directly for the insurance carrier and independent adjusters work for Independent Adjusting Firms. IA Firms are relatively new in the insurance industry but now play a vital role in claims. Insurance companies know that there will be spikes and dips in claim volume from year to year, and they set policy premiums accordingly. For example, a large insurance company might expect 30,000 claims to be filed in Galveston, Texas during a normal year, but they realize that number could spike to 130,000 if a hurricane hits. Claims fluctuate throughout a normal year too and these fluxuations present a staffing challenge for insurers. If they keep enough adjusters on the payroll to handle any contingency, they’d be overstaffed 90% of the time, decreasing their profitability. On the other hand, if they keep only a skeleton crew, the delay caused by trying to staff after a large spike would be disastrous for insurance companies. There are strict laws, steep fines, and public relations problems if claims are not handled on time, and it is difficult to hire qualified adjusters on short notice. Enter the Indepdent Adjusting Firm. Carriers now outsource claims to these firms and in turn, the firms can keep many more adjusters employed regularly.

Independent Adjusters generally work for Independent Adjusting Firms. They go wherever they are needed on a contracted basis. You may get ‘deployed’ for a month to a disaster zone, then have that contract re-upped multiple times and end up staying for 8 months. Where an independent adjuster lives really has no bearing on where he works – which can be a great benefit as you can live where you want rather than where the jobs are. An adjuster may live in Iowa, contract with an Independent Adjusting Firm in Texas, and get deployed to Florida to work claims. As contractors, independent adjusters work for themselves and can take deployments when and where they want. But the most successful adjusters gain the trust of their IA Firm employers by being willing to go when and where they are needed most at any given time.

Staff Adjusters are salaried employees of the insurance carrier. While they may still travel, it is usually much less frequent and only within a specific region. Staff adjusters have steady, reliable work from their carrier which is great for those who may need to stay close to home. But there is an exchange for this benefit as compensation is usually lower than what independent adjusters receive.

The amount of money an adjuster makes is largely dependent on how efficient they are at their job. Independent adjusters are paid on a ‘fee schedule’ where they receive a percentage of each of the claims closed. The percentage offered can vary based on a few factors: how often they work, the employer, the adjuster’s experience level, and the demand for adjusters at any given time. Large scale disasters, like hurricanes Harvey and Irma, can create competition for adjusters so IA firms will alter their pay percentages to try and attract the best work force. During these periods, experienced adjusters can make $100,000 in just a few months. But remember, you are an independent contractor and these periods are not predictable or reliable. You need to know how to manage the boons and droughts to remain successful long term. The current average salary for an adjuster is roughly $63,000 but again, that varies. The top 10% of earners make closer to $100,000 annually, even in down years. Adjusters who won’t travel, get too picky with assignments, or only work a few months a year earn closer to $40,000.

In most states, you need to be licensed to adjust claims. The process, steps, and fees vary a bit by state but generally follow the same pattern. Get your home state, or Designated Home State (DHS) license if you live in a nonlicensing state. You need to take and pass your state adjuster exam, and submit a license application.

To see detailed instructions for your specific state, visit the AdjusterPro Get Started page, and type in your home state.

We have a host of different articles in The AdjusterPro Blog that discuss what you need to do to find work, the ways to go about it, and the characteristics that will help you stand out to employers. After obtaining your license, we recommend getting on as many IA Firm rosters as possible, and diligently following up with employers in a professional manner.

Adding additional licenses so you can work in multiple states is a big bonus, as is Xactimate certification. Make sure your resume highlights any related experience, especially if you’ve worked in the construction/restoration field, held a different job in the insurance industry, or have customer service experience in difficult situations.

Xactware, the software developer, recently released a new version of Xactimate called X1. X1 is basically a cloud-based version of Xactimate 28, which is what most adjusters have been using for years. The two versions look and function in very much the same way, and our webinar has been updated to include addressing both versions of the software when necessary. If you want to read more about the different versions, and what it means for adjusters, please read our Xactimate Training: 28 vs X1 article.