Many people ask me how to become an insurance adjuster. The first retort is always this, "What kind of adjuster do you want to be?" Insurance adjusting is one of those rare fields where your success is fueled by your motivation. There are no degrees required and you are tossed into a crowd of people who THINK they want to be adjusters. There are many fields related to adjusting. Look around you. Almost everything you see which has value is insured by someone--houses, commercial buildings, cars and boats are all covered by insurance. Most people who enter the field of insurance adjusting start out as independent adjusters. Independent adjusters are sometimes referred to as CAT(catastrophe) adjusters. These are the adjusters who go out when a hailstorm covers a large populated area and help the insurance companies meet the strict time frames of responding to a claim. Independent adjusters only work on an as need basis for these firms. Hailstorms and hurricanes are the most popular types of storms that they are called in on. The mechanics of becoming an adjuster are quite simple. In most states such as Texas there is a pre-licensing class that you can attend and at the end you will take a test. When it is passed, you receive a certificate. Submit this certificate to the state with their application and within a few weeks, you can become an adjuster. But so what. You took a class and passed a simple test. So did a bunch of other people. Even though it got you a license, it hardly makes you a qualified adjuster. Here is where your motivation comes to play. Adjusters have a unique role of making everyone happy. You serve the insurer and the insured. You are required to make judgment calls for both parties. You are required to manage yourself and expenses as a business. You are required to understand construction of what you are adjusting. You need to be able to read policies and explain them to insureds. Now this may all seem daunting, but it becomes very natural with time. So here is the point. I'm guessing that one out of ten adjusters who get their license go on to become adjusters. They all send out resumes and they all get on a few rosters, but when it comes time to work, only a few will actually do it. Why? Everyone has excuses. I'm sure you could make up a few if needed. Are you motivated? It's easy to say "yes", but are you being honest and letting your actions show it? The life of an insurance adjuster is extremely fulfilling and financially rewarding, but you need to be self-motivated to take advantage of the opportunity available to you. I always look at those who start and wonder if they have what it takes to do it. The sad part is that everyone CAN if they only could find a way to motivate themselves. The reason people aren't successful in this career has nothing to do with their ability to master skills. It has everything to do with their ability to get out there and try. Companies will invest in adjusters who are giving full effort and are treating this as a job and not just a hobby. As you can imagine, it is frustrating for many of these companies to have so many on their rosters saying they are ready to go only to find out that 30% actually say "yes" when it's time. Looking at the 30% who show up, only 50% of those are truly prepared. Now I'm making these numbers up, but I'm trying to get you to understand that the only limiting factor is YOU. Don't let the failure of others and their lack of motivation influence or affect you. You are in charge of what opportunities are in front of you. Make the most of them and you will understand why insurance adjusters love their jobs.
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