How do I qualify to be a Public Insurance Adjuster

What is the role of a Public Insurance Adjuster?

A Public Insurance Adjuster is a person who, for compensation, acts on behalf of or aids in any manner, an insured in negotiating for or effecting the settlement of a claim or claims for loss or damage under any policy of insurance covering real or personal property or any person who advertises, solicits business, or holds himself or herself out to the public as an adjuster of those claims and any person who, for compensation, investigates, for those losses on behalf of any public insurance adjuster. (statement from: Authorizing Act: Section 15007 of the California Insurance Code (CIC) reads, in part)

 

How do I qualify to be a Public Insurance Adjuster

If your asking this question your not alone. Sometimes, it might seem like the information is running you in circles and no one knows where you should start. The following, is organized so you can see if you qualify as a Public Insurance Adjuster and can complete the pre license online video class work to take the state exam for your public insurance adjuster license or if you need to meet a few other requirements first.

Qualifications: 
1. 18 years old.
2. California residency is not required.
3. Working with or under one of these entities: Individual, corporation, partnership, nonprofit corporation, unincorporated association, limited liability company.
4. Must have two years certified experience in the insurance adjusting field:

[2,000 hours of compensated time in the adjusting field is equal to one year of experience.)
Applicants who were licensed as an Apprentice Public Adjuster for 12 months can satisfy the two-year experience requirements. 
(Note: An Apprentice Public Insurance Adjuster licensee is a person employed by a Public Insurance Adjuster for the purpose of training (12 month license-filing provided by your employer).]

5. Complete America’s Training Center Online video pre license course (study options)
Our printed book outlines all the qualifications, forms, details, etc. to get your Public Insurance Adjuster license.
6. Resident applicants must pass the qualifying license examination prepared and administered by the Department and complete a fingerprint and background check.
7. When you have met the above qualifications and passed the state exam you can then pay for your license with the California Department of Insurance.

America’s Training Center Online offers:

Package and/or a la carte
Public Insurance Adjuster Package [discounted package price $172.00]
PACKAGE VALUE $254.00
Pre license requirements 
99% of students meeting our study criteria pass on the 1st Try!

Public Insurance Adjuster

 



Video Class (Pre license Online) [$39 value]
This is the Required class hours before taking the California State Exam. 
Video Access: 90 days

• 20-30 minute videos & review quizzes to strength your knowledge of each section.
• Unlimited review during access
• Instant printable Certificate of Completion.
• All completed course credits are automatically sent to the California Department of Insurance.
• California accredited

Book Printed (Pre license) [$55 value]
• This book covers all Public Insurance Adjuster license objectives for California 2017.
• Qualifications of a Public Insurance Adjuster 2017
• Sample of Applicable Forms 2017
• Filing Requirements: Applications and Forms 2017
• Covers all State Exam Educational Objectives 2017 
• Graphs, charts, and definitions
• Required pre license study material. Best when used with our Exam Practice (Prep) questions.
• We include shipping & tax. Your book is shipped priority mail with USPS.

Exam Practice (Exam Prep) with tutoring [$160 value]
Questions Access: 90 days – Double regular access!
• Unlimited review during access
• Topic structure helps determine your strength and weaknesses.
• Tutoring by phone & email
• Instant feedback online when you get a question wrong with details on the correct answer.

Public Insurance Adjuster

 

 

 

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Public Insurance Adjuster Pre license Course Requirements

Public Insurance Adjusters Pre License Course Requirements
January 1st, 2017 Public Insurance Adjusters are now required to complete 20 hours of pre license course-work.

Since no provider has a Public Insurance Adjusters pre license course approved for pre license training. You can complete our 20 hour Property Only course to complete your required hours. 
@insurancetraining

Public Insurance Adjusters

 

 

Public Insurance Adjusters

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Available Printed book & exam practice questions!

The following course covers the 20 Hour Public Insurance Adjuster Course-work.

20 Hour Property Broker-Agent Class – Online Video
(California Pre licensing Requirement for Public Insurance Adjuster)

Video Class (Pre license Online) Public Insurance Adjusters

This is the Required class hours before taking the Public Insurance Adjusters California State Exam.
Video Access: 90 days

  • 20-30 minute videos [57 total] & review quizzes [57 total] to strength your knowledge of each section.
  • Unlimited review during access
  • Instant printable Certificate of Completion [Public Insurance Adjusters].
  • All completed course credits are automatically sent to the California Department of Insurance.

Course Material for Public Insurance Adjusters:

1. General & Property {Class Content} (PDF)
2. Videos – List by Topic & Time – Reference Property (PDF)
3. Videos – List by Topic & Time – Reference General (PDF)
4. How-To Use: My Account {Classroom} (PDF)
5. Certificate of Completion {Instantly printable & we submit CDI credits}

Insurance you can sell with this license:

Lines of Authority: Public Insurance Adjusters services, Business Owner’s Policy, Commercial Property, Personal Property, All Auto, Crop, Homeowner’s, Dwelling, Umbrella or Excess Liability, Earthquake, Residential Property Insurance, Inland Marine, Livestock, Equipment Breakdown, Flood and Watercraft.

Topics Covered in this Class: 

The most specific knowledge is required in the following areas:

 General insurance concepts and principles 
 Insurance Code and Ethics 
 Responsibilities and authority of a Property Broker-Agent 
 Business Owner’s Policy 
 Commercial Property 
 Earthquake Coverage 
 Flood Insurance 
 Homeowner’s Insurance 
 Personal Property (2)

To a lesser degree knowledge is required of:

 A general understanding of all other lines of insurance

As defined by the National Association of Insurance Commissioner’s Producer Licensing Model Act, a Property Broker-Agent’s lines of authority are defined as insurance coverage for the direct or consequential loss or damage to property of any kind. The list below contains a sample of some of the insurance products that can be transacted with this license.

Businessowners Policy (BOP) covers small and medium sized businesses. Business owner’s policies basically consist of integrated property coverage, general liability coverage and some additional types of coverage that most businesses require. Optional coverage can also be added to meet specific needs of the business. Auto and worker’s compensation are generally excluded.

Commercial Multiple Peril is a package insurance policy that provides both liability and property coverage for businesses and other organizations.

Commercial Property Coverage applies to real property (such as buildings, factories and warehouses) and business personal property (furniture, fixtures and inventory). It commonly provides time element coverages such as loss of income. Pre licensing Education Educational Objectives California Property Broker-Agent Examination Revised 3-7-11 PROP – page 2

Crop Insurance is coverage for crops in the event of loss or damage by insured perils including hail, fire, and lightning. Prior to the passage of the Federal Crop Insurance Act in 1938 it was virtually impossible to obtain insurance protection against crop damage. Today coverage is available from the Federal Crop Insurance Corporation as well as from private sources. Exclusions from coverage include the perils of war and nuclear disaster.

Dwelling Property is coverage for property damage to a personal dwelling. This will include at least coverage for fire and lightning but can be enhanced to include additional property coverages such as water damage, smoke, and theft. It differs from a homeowner’s policy in that liability must be added by endorsement.

Earthquake Insurance is a form of property insurance that pays the policyholder in the event of an earthquake that causes damage to the property. Most homeowners’ and dwelling fire insurance policies do not include earthquake damage. Equipment Breakdown Insurance is insurance commonly referred to as boiler and machinery insurance, covers the costly physical and financial damage that can result from an equipment breakdown.

Equipment Breakdown insurance can pay for: direct property loss (the cost to repair or replace damaged equipment); lost business income and costs for temporary replacement equipment; other expenses incurred to limit the loss or speed restoration of operations; loss value of spoiled products or materials; and business recovery expense.

Flood Insurance is insurance that compensates for property damage arising flooding. The federal government is primary writer of the coverage which offers the coverage in federally designated flood areas. Flood coverage is excluded on most homeowners and dwelling fire policies.

Homeowners insurance is a combination of both property and casualty coverages arising out of the ownership of a home. Coverage includes damage to the home, its contents, additional living expenses, and for the insureds personal liability. The homeowners’ coverage can be used in different formats to insure mobilehomes and farms if owned by an individual.

Inland Marine insurance is a broad category of property insurance generally covering loss to movable property or unusual risks. In personal lines, inland marine includes coverage for personal effects like jewelry, fine art, sports or musical equipment. Inland Marine coverage in commercial lines can include but is not limited to Equipment Floaters, Builders Risk, Jewelers Block and Difference in Condition policies. Pre licensing Education Educational Objectives California Property Broker-Agent Examination Revised 3-7-11 PROP – page 3

Livestock coverage is designated for horses and other farm animals if they are damaged or destroyed. The insurance includes registered cattle and herds, other farm livestock, and zoo animals. This type of insurance protects the farmer or rancher against the premature death of animals resulting from natural causes, fire, lightning, accidents, and acts of God, acts of individuals other than the owner or employees, and destruction for humane purposes.

Personal Lines are property/casualty insurance products that are designed for and bought by individuals, including homeowners and automobile policies. Personal Lines is also offered as a limited line license through the California Department of Insurance.

Public Insurance Adjusters

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