Meet the author: Tim ONeill, CPCU, CLU, AIC
Founder and Academic Director of Test Crushers
I have studied my whole career to learn how to do a course like this one. I have handled claims for hail, hurricanes, floods, you name it.
Along the way, I achieved the signature academic credentials in our industry: CPCU, CLU and AIC.
I have been an agent since 2000. (TDI LICENSE #720028). But I still keep up my adjuster license after all this time. Once an adjuster, always an adjuster, I guess
✦ TDI Adjuster #112622
I teach this class AS an adjuster, FOR adjusters. My teachers taught me, and now I am passing that knowledge on to you. This course is the real deal.
Free PA Course Preview Lesson
This Test Crushers P&C course lesson is available to preview for FREE. See if you like my style and the way I explain things.
MY MONEY BACK GUARANTEE:
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.
Choose a Pricing Option and Start Studying.
The plans give you the option to blow it out in a week with the Speed Pass, or you can take your time with one of the other plans. It's the same course either way, just a matter of how long you'll need it for.
$99.99
9-Day Speed Pass for Public Adjusters
IN A HURRY??? LFG!
If you are in a hurry to get your PA License, this is the plan for you. Nine Days to get on it and get it done. If you need more time, you can pay the $25 difference and upgrade to the Standard Access Plan.
ENROLL NOW
$124.99
Standard Access Plan for Public Adjusters
Open use of the course materials for 7 weeks.
Our Standard Access plan should be plenty of time for most people to get through the course comfortably and without rushing. If you do run out of time, you can get a 30-day extension for $50, but that's pretty uncommon. Get in there and get it done!
ENROLL NOW
$199.99
Extended Access Plan for Public Adjusters
Open access to the course for 60 days with Book and Policy Manual Included.
The Extended access plan is our best value. With this plan, you have access to the course for a full 60 days AND it includes the Course Companion Guide and Policy Manual. (That is a $39 upgrade on the other plans.)
The Course Companion Guide is a printed collection of the course materials including the Test Crushers Policy Manual with copies of the policies we study - with my Instructor Notes, Highlights, Call-Outs and Photos.
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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 closely related. The major difference is who each adjuster represents. Public Adjusters represent individual policyholders, while Staff Adjusters and Independent Adjusters both represent the insurance carrier.
A Public Adjuster is hired as an expert consultant by a homeowner who needs help dealing with a claim. This might be because there is substantial damage and the claim is just too much to deal with. Or the insurance carrier's adjuster may be difficult to deal with. Often times the homeowner is sure that the insurance company's adjuster has missed things or under-valued the claim. But sometimes none of that is involved and a homeowner just doesn't want to deal with it. So he can hire a Public Adjuster to deal with it. At the end of the process, the homeowner pays the Public Adjuster a fee for these services.
A Staff Adjuster is an employee of an insurance company sent out to handle a claim as a representative of the insurance company. Insurance companies keep a certain number of Staff Adjusters year-round, to handle normal claim volume. If there is a Major Catastrophe of some kind and thousands of claims come pouring in, there is no way to handle those claims with just the Staff Adjusters. The insurance companies then turn to Independent Adjusters to supplement the claims force.
An Independent Adjuster handles claims for an insurance company as a 1099 contractor, not as an employee. It's very common and it happens all the time. There should be no difference in claim service whether the claim is handled by a Staff Adjuster or an Indepentdent.
There are several large Independent Adjusting firms that maintain lists of available adjusters who can be dispatched to the site of a Catastrophe.
When an insurance company needs 150 adjusters in a hurry, they make one call, and those adjusters can be on their way. Those adjusters may be employed by the adjusting firm, or they may be 1099 contractors.
There are also Independent Adjusters who are not affiliated with a larger firm and work by themselves.
How Do I Get My Texas Public Adjuster License?
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 with a Pearson VUE testing center and do it at least 24 hours in advance. To pass, you’ll need a 70. If necessary, you can attempt the test multiple times. The exam fee is $39 per attempt.
✦ Provide fingerprints – Go to the IdenTOGO website, that's who collects fingerprints for TDI, USE CODE 11G6QF These fingerprints will be used on your license application 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.
✦ 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 homeowners, 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 major 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 do the Test Crushers program of study.
Some Texas Public Adjusting Resources to Check Out
These people can answer any in-depth questions you might have about getting started as a Public Adjuster. I have no relationship with any of these firms.
✦ Texas Association of Public Insurance Adjusters
✦ NUCLAIM
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.
Prepare For The Texas Public 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 about 60%.
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. We give you all the materials you need for free.
Test Crushers is the first and best choice for PA's
This video course was custom made for the Texas PA Exam ONLY. You don't have to waste your time learning about Liability, Auto Insurance or Workers Comp topics, because none of that is on your exam.
There's never been a dedicated PA course as good as this one. It's exactly and only what you need to know to pass the Texas Public Adjuster Exam.