New Jersey Insurance Adjuster Licensing Requirements

Interested in the insurance business in New Jersey, but don't want to sell insurance directly? You may want to consider becoming a New Jersey insurance adjuster.

What Is An Insurance Claims Adjuster?

An insurance adjuster is the field agent of the insurance world. When someone makes a claim, the insurance company needs to know whether the claim falls under the claimant's policy and how liable the insurance company is.

To gather this information, companies send an insurance claims adjuster. The adjuster visits the site of the event that precipitated the claim and conducts a thorough investigation to determine the validity and value of that claim.

What Does A New Jersey Claims Adjuster Do?

A New Jersey Insurance Adjuster inspects property damage or personal injury claims in Newark, Jersey City, Paterson, Elizabeth, Edison, Toms River, Clifton, Camden, Passaic, Princeton, Trenton, and other cities to determine how much the insurance company should pay for the loss. They might inspect a home, a business, or a vehicle to determine how much the insurance company should pay out.

Though the process for reviewing a home versus a car claim may very somewhat, to determine the amount of payout, an Adjuster might interview the claimant and/or witnesses, inspect the damaged property, do additional research such as look at photos, police reports, or doctor/hospital records, evaluate damage, ascertain payout amount, and communicate with the insurance agent and/or client. Typically, adjusters will:

• Verify an insurance policy exists for the insured person and/or property
• Identify coverages for which the insured is covered
• Evaluate the covered injuries and/or damages
• Complete applicable paperwork
• Negotiate a settlement according to the applicable laws

How To Become A New Jersey Insurance Adjuster

Technically, you are free to start adjusting claims in New Jersey without any special licensing or certification. That said, most insurance companies prefer to hire some with training or experience, so we recommend taking either the Florida or Texas "Designated Home State" training courses listed below.

Without training, to get hired as an insurance claims adjuster in New Jersey your best bet is to join an insurance company as an intern or provisional staff member and learn on the job. To improve your chances of landing this position in NJ, here's a few tips:

• Earn A Designated Home State License
  For residents of states that don't license adjusters, like New Jersey, states like TX and FL allow non-residents to take an adjuster exam that they can use to designate as their "home state" when it comes to adjusting. See the links below for details on these courses
• Learn Xactimate
  This is the number one claims adjustment software program that all the best adjusters use. If you know Xactimate well, you will have an advantage over others applying for the same job
• Enroll In An Agent Broker Training Center Adjuster Licensing Course
  We have courses to help you learn Xactimate as well as prepare you for either the Florida or Texas all-lines adjuster licensing exam. Click the links below to register for your courses and maximize your New Jersey insurance adjuster opportunities!

Recommended New Jersey Insurance Adjuster Licensing Courses, Study Guides, And Exam Prep Materials

AB Training Center provides approved Adjuster training courses, study guides, and exam prep materials needed to obtain an Adjuster license in New Jersey. Simply select from the recommended courses below, or search under "Adjuster" and your state from the "Licensing" section of the search box. Good luck passing your New Jersey Claims Adjuster insurance licensing exam!

Also Available: Xactimate Training Courses

We also have courses to help you familiarize yourself with Xactimate software. If you aren't familiar with Xactimate already, you'll know all about it once you start working as an adjuster. This is critical claims estimating software and we can show you how to use it the right way.