Claims adjustment training

Claims adjustment training is a structured educational process that equips insurance professionals with skills to evaluate, investigate, and settle claims accurately. Training programs include modules on policy interpretation, damage assessment (e.g. auto collisions, property fires), fraud detection techniques using case studies, and negotiation tactics based on real claim scenarios.

The National Association of Insurance Commissioners (NAIC) sets minimum standards for adjuster licensing in 34 states. Courses often require completion of 40 hours of instruction followed by state exams; Texas mandates a 40-hour pre-licensing course as an example, according to a report from YourInsurance.info.

Online platforms like AdjusterPro and The Institutes offer certification recognized by insurers such as Allstate and State Farm. Continuing education requirements mandate periodic retraining–Florida requires 24 hours every two years–to maintain licensure.

Simulation exercises use actual loss documentation from hurricanes or hailstorms to build practical expertise. Claims adjustment training covers both residential and commercial lines, including specialized sectors like catastrophe adjusting after events such as Hurricane Ian ($112 billion insured losses in 2022).

Employers track trainee performance through metrics such as claim closure rates and accuracy percentages during onboarding periods.