Texas Insurance Adjuster License
Reciprocal license acceptance in 32 states- Check your state regulations
Houston & Galveston Texas Still Needs Insurance
Claims Adjusters!
Hurricane Season 2009 started June 1
Hurricane season 2008 has been a busy one and many claims professionals are still on deployment - now the 2009 season is here. In today's world with more natural disasters like Hurricane Ike occurring every day, join the team of elite professionals in the lucrative field of insurance claims adjusting.
For a limited time enter code txadjuster0910 at checkout for 10% off
Give yourself a winning edge by adding a Live Instructor Subscription to your pre-licensing course enrollment. This service gives you phone and email access to our in-house insurance expert and trainer to help personalize your online learning by giving you tailored guidance in preparing to obtain a Property & Casualty, Life & Health or Adjuster License. When this add-on is purchased you will receive an email with instructions on how to access the following services:
STATE APPROVAL NUMBER 45064EX400
LICENSE CATEGORY Adjuster License Course & Exam - Propery & Casualty
APPROVED HOURS 40 Hours
COURSE DESCRIPTION
This course will prepare individuals for the Property & Casualty Insurance Adjuster exam which is administered at the end of this course. This course not only covers all foundational concepts related to property and casualty insurance adjusting, but the very important Texas-specific insurance laws and regulations provided by the Texas Department of Insurance in relation to property and casualty insurance adjusting.
TOPICS COVERED
Standard Fire Policy
Auto Liability & Texas PAP
Personal Lines Coverage with ISO & TX Forms HO-A, HO-B, and HO-C
Commercial Lines Coverage
Inland Marine
Ocean Marine
Additional Coverages, Exclusions, and Extensions
Bonds
Insurance Terms and Related Concepts
Licensing Requirements (TX)
Marketing Practices (TX)
Adjuster Practices, Responsibilities, and Duties (TX)
LESSONS
Introduction
LESSON 1: Insurance Basics
LESSON 2: Adjusting Losses
LESSON 3: Homeowners & Dwelling Policies
LESSON 4: Personal & Business (Commercial) Automobile Insurance
LESSON 5: Commercial Lines Coverage
LESSON 6: Workers' Compensation
LESSON 7: Other Coverages
LESSON 8: Texas Statutes & Rules Common to Property & Casualty Insurance
LESSON 9: Adjuster Practices, Responsibilities & Duties
LESSON 10: Coverage for Homeowners, Automobile & Workers' Compensation
SUBJECT MATTER EXPERT
This course is created and brought to you by 360training, a leading provider of accredited e-learning courses to working professionals through today's leading schools, associations and corporations. 360training's high quality e-learning courses assist thousands of working professionals each month in a wide range of disciplines to succeed in today's marketplace, renew licenses, acquire certification or prepare for a new profession.
This course was created by the instructional design staff of 360training in connection with field professionals that bring many years of experience in adult educational theory and distance learning technology to make the process of certification, compliance and training as convenient, engaging and cost-effective as possible.
If you have any requests for technical or instructional support, please contact the 360training Support Department located in the HELP section of your account profile. Technical support inquiries are handled immediately and instructional support questions are returned within 24 business hours with answers provided by a qualified professional in your field through our network of subject matter experts.
COURSE ACCESS
The course will be accessible 24/7 with around the clock technical support available.
COURSE AVAILABILITY
The course will be available for 365 days from registration.
TESTING REQUIREMENTS
Testing will consist of lesson quizzes and one final examination.
You will need to pass the examination with a 70% in order to receive your Texas Propery & Casualty Adjusters License.
Upon course completion you will need to submit your certificate along with a finger print card, Adjuster License application and the $50 fee to the Texas Department of Insurance. Once this is submitted TDI will process the approval and mail the Adjuster License to you.
CERTIFICATE AVAILABILITY
Upon Course Completion Your Certificate will be mailed to you within 5 - 7 business days.
Give yourself a winning edge by adding a Live Instructor Subscription to your pre-licensing course enrollment. This service gives you phone and email access to our in-house insurance expert and trainer to help personalize your online learning by giving you tailored guidance in preparing to obtain a Property & Casualty, Life & Health or Adjuster License. When this add-on is purchased you will receive an email with instructions on how to access the following services:
• Live Instructor Help Desk: Direct access to an in-house insurance expert and instructor to answer your questions about course content or the insurance licensing process. Our live instructor help desk is available to you from 8:30am to 4:30pm CST by phone and email (voicemail and email responded to within 24 business hours). Valid for 30 days from the date of enrollment.
• Licensing Exam Prep Webcast: Access live web-casts offering guidance on test taking strategies, guidance on examination procedures and supplemental materials to help you pass your exam. Valid for 30 days from the date of enrollment.
• Licensing Exam Remediation: If you are unsuccessful in your first attempt at passing the state exam, send your test results to the instructor. Your results will be analyzed and a personalized remediation plan will be delivered to you (by email) to guide you on which areas to study up on and get back on track to pass your exam. Valid for 120 from the date of enrollment.
• Lead Instructor Bio:
Jack Frick, CIC, CISR, AIS, M. Div.
Jack has over 30 years of insurance industry experience that includes being a personal producer, sales manager, agency owner, commercial lines underwriter, claims adjuster, field representative and Director of Training for a major insurance carrier. Jack holds over 12 years experience as an insurance pre-licensing instructor. During his tenure as an instructor he has trained over 13,000 students with a 90%+ licensing exam pass rate. Jack has also been a co-author of numerous insurance text-books and served 9 years at the National Alliance for Insurance Education and Research, one of the nation's leading providers of advanced insurance designations.
Texas Insurance Adjuster Property & Casualty Licensing Course & Exam approved by the Texas Department of Insurance
STATE APPROVAL NUMBER 45064EX400
NO COLLEGE DEGREE REQUIRED!
COURSE DESCRIPTION
This Texas adjuster course will prepare individuals for the Texas Property & Casualty Insurance Adjuster exam which is administered at the end of the course. All foundation concepts relating to property and casualty insurance adjusting are covered. Also included are the very important 'Texas specific' insurance laws and regulations provided by the Texas Department of Insurance.
TOPICS COVERED
- Licensing Requirements (Tx)
- Adjuster Practices. Responsibilities, & Duties (Tx)
- Personal Lines Coverage with ISO & Tx forms HO-A, HO-B, & HO-C
- Insurance Terms & Related Concepts
- Auto Liability & Texas PAP
- Commercial Lines Coverage
- Additional Coverages, Exclusions, & Extensions
- Insurance Terms and Related Concepts
- Licensing Requirements (TX)
- Adjuster Practices, Responsibilities, and Duties (TX)
LESSONS
Introduction
LESSON 1: Insurance Basics
LESSON 2: Adjusting Losses
LESSON 3: Homeowners & Dwelling Policies
LESSON 4: Personal & Business (Commercial) Automobile Insurance
LESSON 5: Commercial Lines Coverage
LESSON 6: Workers' Compensation
LESSON 7: Other Coverages
LESSON 8: Texas Statutes & Rules Common to Property & Casualty Insurance
LESSON 9: Adjuster Practices, Responsibilities & Duties
LESSON 10: Coverage for Homeowners, Automobile & Workers' Compensation
SUBJECT MATTER EXPERT
This Texas insurance adjuster course is created and brought to you by Classroom Online, in conjunction with 360training, a leading provider of accredited e-learning courses to working professionals through today's leading schools, associations and corporations. Our high quality e-learning courses assist 1000s of working professionals each month in a wide range of disciplines to succeed in today's marketplace, acquire certification, renew licenses or prepare for a new profession.
COURSE ACCESS
The course will be accessible 24/7 with around the clock technical support available.
COURSE AVAILABILITY
The course will be available for 365 days from registration.
TESTING REQUIREMENTS
Testing will consist of lesson quizzes and one final examination.
You will need to pass the examination with a 70% in order to receive your Texas Property & Casualty Adjusters License.
Upon course completion you will need to submit your certificate along with a finger print card, adjuster License application and the $50 fee to the Texas Department of Insurance. Once this is submitted TDI will process the approval and mail the Texas Adjuster License to you.
CERTIFICATE AVAILABILITY
Upon Course Completion Your Certificate will be mailed to you within 5 - 7 business days.
Wikipedia,,,,,,,,
Claims adjusters investigates claims by interviewing the claimant and witnesses, consulting police and hospital records, and inspecting property damage to determine the extent of the company’s liability.[1] In the United Kingdom and the Republic of Ireland, the term Loss adjuster is used. Claims adjusters have the knowledge to complete the preparation of a property damage claim which, to an unrepresented homeowner, may be unfamiliar territory. The documents contain technical terms such as depreciation, replacement costs, and actual cash value, that may be unknown to the policyholder, and a trained claims adjuster can ensure a correct completion.
History teaches that a lack of hurricane awareness and preparation are common threads among all major hurricane disasters. By knowing your vulnerability and what actions you should take, you can reduce the effects of a hurricane disaster. Hurricane Preparedness Week during 2009 will be held May 24th through May 30th.
The goal of this Hurricane Preparedness Web site is to inform the public about the hurricane hazards and provide knowledge which can be used to take ACTION. This information can be used to save lives at work, home, while on the road, or on the water.
Hurricane hazards come in many forms: storm surge, high winds, tornadoes, and flooding. This means it is important for your family to have a plan that includes all of these hazards. Look carefully at the safety actions associated with each type of hurricane hazard and prepare your family disaster plan accordingly. But remember this is only a guide. The first and most important thing anyone should do when facing a hurricane threat is to use common sense.
You should be able to answer the following questions before a hurricane threatens:
What are the Hurricane Hazards?
What does it mean to you?
What actions should you take to be prepared?
Visit the NOAA Coastal Services Center Historical Hurricane Tracks website to learn about historical tropical cyclones occurring in different areas located throughout the Atlantic, Caribbean, and Gulf of Mexico. The website provides information about U.S. coastal county population versus hurricane strikes as well as links to various Internet resources focusing on tropical cyclones. The interactive mapping application allows you to search the National Hurricane Center historical tropical cyclone database and graphically display storms affecting your area since 1851.
P/C Insurers Apply Lessons from Hurricane Katrina
June 2, 2009
The property/casualty insurance industry is employing advancements in catastrophe modeling and considering the impact of the creation of a national catastrophe fund as it applies lessons learned from Hurricane Katrina.
Experts on a panel moderated by Louisiana Insurance Commissioner Jim Donelon at the Casualty Actuarial Society's Spring Meeting in New Orleans discussed the post-catastrophe landscape in the city that was dramatically changed by 2005's Katrina.
Since Hurricane Katrina, catastrophe modeling firms and the property and casualty insurance industry have learned more about the scientific and actuarial nature of hurricane risk, experts say.
The current state of the science on climate change projects potentially less frequent, but more severe tropical cyclones, said John Rollins, vice president of AIR Worldwide Corp. Rollins added that research on the impact of climate anomalies on hurricanes has influenced modeling advances.
"The research of AIR and other modeling companies has tried to capitalize on climate science and adapt it into the parameters of the catastrophe models," Rollins said.
In validating the models, the 2004/2005 hurricanes provided unprecedented quantities of detailed claims data, Rollins said. He said that modeling firms review actual insurer storm claims data against modeled damage for the same locations and examine results by coverage, construction, and occupancy type.
For example, damage to pool enclosures, which are common in Florida and can cost between $10,000 to $50,000, accounted for about 15-20 percent of losses from these hurricanes. The average claim per unit of exposure was reported to be as much as 35 percent higher for homes with pool enclosures.
"We have to get a handle on what to charge for that because it's the type of thing that might fly under the radar of a catastrophe modeler and the industry until after an event," Rollins said.
Modelers are also in a unique position to help companies address exposure data challenges, he emphasized. They can do this by delivering commercial and residential property specific data, including replacement value, and enhancing the capture and use of quality exposure data at the point of underwriting.
Under Commissioner Donelon's leadership, the Louisiana market has even gotten stronger under the policies the commissioner implemented, says John Forney, managing director for public finance at Raymond James & Associates Inc. The management team Donelon hired at the state-run property insurer of last resort, Louisiana Citizens Property Insurance Corporation (LCPIC), has also been an asset, he added.
"The provision of insurance for natural catastrophes is not a science that is cast in stone," Forney said. "It occurs at the intersection of insurance, finance, economics and public policy and there isn't a huge realm of data that enables an actuary to pinpoint exactly how this whole business works and how it should work from both the financial and actuarial standpoint, as well as from a public policy standpoint," he said.
Forney listed some of the major catastrophes in the U.S. since Hurricane Andrew in 1992 that caused $15.5 billion in insured losses in South Florida and pointed out that seven of the 10 most costly catastrophes have occurred since 2004.
Forney said lessons learned include the extreme difficulty of insuring losses from natural catastrophes.
"Some might say they're impossible to insure," he warned, "they violate some of the fundamental standard conditions of insurability because they're infrequent, they're catastrophic, they unpredictable, and the losses are interdependent."
Forney said that these factors had resulted in an increasing trend toward government involvement in catastrophe insurance and reinsurance. He listed the creation of the Florida Hurricane Catastrophe Fund in 1993, the California Earthquake Authority in 1996, the Terrorism Risk Insurance Act in 2002, and the creation of state-run insurers in Florida (2002) and Louisiana (2003) as examples.
Commissioner Donelon said the creation of Louisiana Citizens Property Insurance Corp. has worked exactly as it was designed and has put the state in a better position than other states with similar programs, such as Florida and Texas.
"Those states, though, like Louisiana, are working to solve their problems but are also looking to the federal government to create a responsible safety net similar to TRIA to provide financial assistance, if needed," the commissioner added.
Addressing the hurricane peril in Louisiana in the post-Katrina landscape from a public policy standpoint, David Chernick, a consulting actuary for Milliman Inc., examined the capacity, availability, and affordability of residential property insurance in the state.
"Since Katrina hit, the size and number of policies in the residual market (LCPIC) is about the same and so obviously the work of the (insurance) commissioner has paid off in keeping the policy count down," he said. But the size of the exposure has doubled from $14.9 billion in December 2005 to $27 billion in April of this year, "and I think this is a phenomenon we're going to see everywhere because the cost of rebuilding houses is going to go up every year."
Chernick provided an overview of the Homeowners Defense Act of 2009, draft legislation that would create a national catastrophe fund, which among its provisions would offer catastrophe reinsurance to state catastrophe plans; encourage states to create state catastrophe funds; offer liquidity and catastrophic loans to state plans; and provide funding for mitigation and preparedness.
Applying the basic structure of a national and state catastrophe fund system to what is in place currently in Louisiana, Chernick showed that for a one-in-a-thousand year event causing $16 billion in insured losses, primary insurers would pay out $6.9 billion, a Louisiana State Cat Fund would be responsible for $4.7 billion, a National Cat Fund would pick up $3.2 billion, and Louisiana Citizens would take care of the remaining $1.2 billion. In contrast, under the current system primary insurers would pay out an estimated $9.5 billion, $4.1 billion would be from reinsurance/catastrophe bonds, and the remaining $2.4 billion would fall to the state-run LCPIC.
A national/state cat fund system would result in an average statewide savings in Louisiana of about 28 cents out of every dollar of homeowner insurance premium, he said.
Texas Insurance Adjuster License online training classes
