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Property and Casualty Adjusters – Always Get An All Lines License

You’ve chosen the career path of Insurance Adjuster and are about to take your first exam. But where do you start? There are so many different exams. There are different lines of authority and different options to choose from. Is one better than the other? The answer is yes.

Your first step is to see if the state you live in requires a license. If so, take your home state exam. Then, check to see which exams for lines of authority are available for your state. Many states offer several choices. Some of the options available range from Property, Casualty, Worker’s Compensation, Fire Only, Personal, Commercial, General Lines to the All Lines exam. With so many variances from state to state, the best exam for you is one that will cover all lines of authority. Any exam such as All Lines, General Lines or Comprehensive, will cover any of the other lines such as Property or Casualty.  If you live in a non-licensed state take your exam in a state like Texas which offers an all lines license.

The importance of taking the right exam is for reciprocity. If you take a Property only exam and try to reciprocate to a state such as Louisiana, which offers Personal, Commercial and Comprehensive, and you intend on working Commercial or Casualty claims, your Property only exam will not allow you to apply for the lines needed in the state of Louisiana. It will only allow you to apply for Personal Lines of authority.

Some states offer so many lines of authority the options can be very confusing. If a state offers a “Fire Only” line of authority and that is what you test for, you are only eligible to work claims that are related to a fire loss such as smoke, water damage from the fire, or the actual fire damage. You are not eligible to work a wind or hail claim with the Fire Only license. However, had you opted to take the General Adjuster or General Lines, you would be eligible to work any loss that comes your way. And, as mentioned above, you won’t be able to work those claims in other states either.

By not taking the correct exam in the beginning, you could lose out on work by not holding the right lines of authority on your license.

If you are an officer of a company, it becomes even more important as to which exam and which lines of authority you hold. If there is any chance you will be named the Designated Responsible Licensed Producer for your company. When your company applies for their business entity license in a state, their DRLP’s lines of authority must match those which the company will be applying for. So as the DRLP, if you hold only a Property license but your company will be applying for and working Property, Casualty, Worker’s Compensation, or any other type of claim, your license will not qualify for the DRLP. The company’s license will be put on hold until an eligible DRLP, holding the proper lines of authority, can be affiliated to the company license.

So back to the original question…Which exam do I take? When offered, we recommend that you always opt for the General Lines, Comprehensive or All Lines license. That way you’ll be able to offer the most potential to an IA firm and leave the door open for expanded work in the future.

About Xeneros: Xeneros helps organizations maintain business entity and independent adjuster licenses and the associated requirements.  Xeneros uses an innovative web-based software program which is supported and maintained by a knowledgeable compliance staff. For more information go to www.xeneros.net.

Don’t Let Your Adjuster Licenses Expire

Congratulations! You’ve been promoted to supervisor and you’ll never need another license again! Right? WRONG!  We’ve seen a number of individuals who’ve let their licenses lapse and now want renew for a variety of reasons.
Once you let your license expire, chances are pretty good that you’re going to have to retest.  And if you’re like me, testing is the second to last thing you want to do.  The last thing is study for the test!  So, why do you intentionally let a license expire?
  • Promotions – good people get promoted to positions that don’t require licenses.  The prevailing theory seems to be that once someone moves out of a licensed position they will never go back.  Wrong. Here are a couple reasons to keep your license:
    • Perhaps you decide the position isn’t for you or someone else decides it isn’t the position for you. Having a license will help you get going again fast.
    • You start your own firm.  19 states require IA Firms to be licensed and 15 require you to assign a Designated Responsible Licensed Producer (DRLP), 4 of which require the DRLP to be an officer.  Chances are you’ll be the DRLP and will need a license. Who hasn’t thought about starting their own firm?
  • Change of career – Perhaps you got tired of being an adjuster and decide that you want out. Sometimes the grass isn’t always greener. Situations change or perhaps you simply miss being an adjuster more than you thought.  This epiphany isn’t always overnight and can be years later.
Here’s a simple way to make sure you don’t have to study and retest (for the most part because there are always exceptions with licensing).   If you live in a licensed state, always maintain your home state license.  Obtaining a home state license almost always involves a test.  Keep it current so you don’t have to test again.  If you live in a non-licensed state, maintaining a license in a state like Indiana, Texas, or Florida, who has favorable reciprocity, will allow you to obtain additional licenses down the road should the need arise.
Really the choice is yours. Would you like to pay the renewal fees and take the CE courses, or study and test?  Most of our clients who chose the latter regret it.
About Xeneros: Xeneros helps organizations maintain business entity and independent adjuster licenses and the associated requirements.  Xeneros uses an innovative web-based software program which is supported and maintained by a knowledgeable compliance staff. For more information go to www.xeneros.net.

Licensing Information Regarding Recent Emergencies

CATASTROPHE SERIAL NO. 83

DATES:

June 28, 2012 To July 2, 2012

STATES:

Illinois, Indiana, Maryland, New Jersey, Ohio, Virginia, West Virginia, District of Columbia, Kentucky, North Carolina, South Carolina, and Possibly Other Areas.

PERILS:

Flooding, Hail, Tornadoes, Wind

STORM FAMILY:

Wind and Thunderstorm Event

Illinois, Maryland, Ohio, and New Jersey

These are non-licensed states and therefore no emergency license is required.

Indiana and West Virginia

Only Insurance Companies can complete the forms necessary to acquire an emergency license. If you are an Independent Firm, it is easier to acquire the regular IA license. They are processing quickly and they are both online applications. The WV license can be acquired through NIPR if you hold a home state or designated home state license. It’s important that the adjuster makes sure they are clicking on the Non-Resident Adjuster Initial License. There have been instances of adjusters inadvertently clicking the Non-Resident Producer button and applying for the incorrect license.

WV offers only Public Adjuster, Company Adjuster or Crop Adjuster. As an IA you need to apply for the Company Adjuster license even if  you are not affiliated with a company. The fee for the regular license is $25 plus any fees charged by NIPR. We Most licenses are being issued with 24 hours.

Indiana is applied for through Sircon. They have a longer processing time of 3-5 days but again, if you intend to work for multiple companies it is easier to acquire this license. Otherwise, every company you intend to work for has to complete a form verifying your eligibility. The cost of a non-resident IA license in IN is $90 plus any fees charged by Sircon. Again, you must hold a valid home state or designated home state license to apply online.

North Carolina

The state of North Carolina has instructions on their website on how to acquire an emergency license. They put out a memo every year that includes a template of a badge you must have to enter the emergency areas. The bulletin including instruction on how companies can deploy emergency adjusters can be found at: http://www.ncdoi.com/LS/Documents/Bulletins/2012/Bulletin 12-B-02  Procedures for Catastrophic Adjusters.pdf#search="emergency license".

South Carolina

South Carolina also requires insurers to send in forms qualifying adjusters for an emergency license. Therefore, IA’s can apply for a regular IA license at: https://online.doi.sc.gov/Eng/Public/Common/OnlineServices.aspx thus allowing them to work for any company. If they go through the insurer, each company must complete the form in order for the adjuster to do work for their company.

About Xeneros: Xeneros helps organizations maintain business entity and independent adjuster licenses and the associated requirements.  Xeneros uses an innovative web-based software program which is supported and maintained by a knowledgeable compliance staff. For more information go to www.xeneros.net.