Welcome to Adjuster TV
Let's explore what being an Independent Adjuster is all about..
Let's explore what being an Independent Adjuster is all about..
AdjusterTV is here to help you make more money, save more time, and help more people.
Can you imagine what a career as an independent adjuster could do for you? That's what I'm here to help you achieve. I’ve been a cat property field adjuster since 1999 and I've helped hundreds of people get up and running as IA's —and here's the common denominator: Everyone starts from zero.
So, if you're feeling behind—don't worry. I'll catch you up quickly with what you need to know. Let's start with what this thing called an “Independent Adjuster" really means, and is it even possible?
An independent adjuster - or IA - works for a third party company called an IA FIRM. When an insurance company needs extra adjusters, they will contact an IA firm and request a specific number of independent contractor adjusters based on their needs (that is, how many claims they have coming in above their normal claim load).
The IA firm will contact independent adjusters on their roster and ask them if they want to go and work for that insurance company.
The IA says yes or no.
It's as simple as that.
There are lots of definitions of for an IA, and yes—this includes daily claims, file examiner, and file review. Much of this work is remote or home-based. I do all of those, but that’s not what this website is about.
In my experience, the best gig for an independent adjuster—and what I focus on here at AdjusterTV—is the following:
At AdjusterTV, I teach you how to build a business as an independent property claims adjuster - who works in the FIELD and does primarily CATASTROPHE work. This kind of work, to me, is the most exciting and has the greatest income potential for us, especially on huge events like hurricanes and in specialty areas like commercial claims.
So what's different?
We get paid on a per-claim basis. Each claim represents a paycheck for us.
In other words, we don’t trade time for money.
Instead, we IA's invest time upfront getting valuable training and honing our skills so that we can help the insurance company's customers as best we can - and do it relatively quickly. Each claim we close represents a person or family who can get on with returning to their normal life. And it represents income for us.
And unlike getting a job in the corporate world, the barrier to entry is much lower. Meaning, no.. you don't need a Bachelor's or even an Associate's degree to get going.
But that also means that there's not a lot of good guidance out there on how to get the best training and what skills to really hone in on.
Overall, there’s far less money needed to invest, the rewards can come in much faster, and how well you do is something you can become recognized for.
When I started closing claims and realized that the more claims I closed in a day, the more money I could make AND the more claims my manager would give me, I was hooked! And I hope to hook you, too!
Let's dispel some myths and set realistic expectations before we go any farther…
1. You're not likely to make six figures right out of the gate your first year. Possibly even your second. Many factors will dictate how many claims you can close in a year, not the least of which are available storm deployments (Mother Nature gets the final say). Can you get up over $100k your first year? Yes, it's absolutely possible. However, without a series of serendipitous events, it's not likely.
2. You can't get started in this career with no training and no money. While you don't need to spend four years and $125,000 in student loans, you do need to have some skin in the game. Your licensing will cost you money. Your Xactimate and software training and other gear will cost you money. And it's critical that you understand scoping, construction, policy, and customer service before you ever touch a claim. Failing to get solid adjuster training will result in the new IA wasting not only their own time, but for every claim that is poorly handled, the time and energy (and in many cases money) of several other people who have to clean up after the badly trained IA.
3. Storm season is just that - a season. So if you're getting started in this job in late summer or fall, you've pretty much missed it. Unless there's a late-season hurricane or big winter storm you're likely going to have to wait until the following spring for deployment opportunities as a newbie. The good news is that you'll have plenty of time to get licensed, trained, geared up, and start building your network at conferences and IA/carrier certification classes. I'd rather see you spend a few months getting your ducks in a row in preparation for the following storm season than to show up to your first storm unprepared and crash and burn.
OPTION 1: You could do nothing. The truth is, when you do the same ol’ things you’ve always been doing, you’re going to get the same ol’ results—but I know you don’t want that, or else you wouldn’t be here on this website and you wouldn’t have gotten this far down the page. This choice is obviously not yours.
OPTION 2: You could keep searching for more information on the web. There’s a TON of information, good and bad, all over the place. But why would you continue searching? All of the information you need to get started I’ve organized for you here on this website, in AdjusterTV video episodes, and the other resources I’ve created for you.
OPTION 3: You can take action now. You can do it right now with the free video called Getting Started as an Independent Adjuster. I made it specifically for beginning independent adjusters—like you—to make it easy to figure out what your next steps in the process are going to be and how to get started building a rewarding career that lasts. It’s all in a short-ish 40 minute video, which explains step-by-step how to get rolling as an IA.
It’s free to access right now, and it’ll show you just how easy getting started is, compared to what you may expect.
Imagine having the roadmap you need to get up and running right now. It will happen, but only if you TAKE ACTION right now—and remember, it’s free. You have nothing to lose..
Check out this video where I show you the machine I use and why I think it’s a great choice for running field claims as an IA..
Keep in mind that whatever laptop you buy (or currently have) it MUST meet or exceed the Recommended Specs set by Xactware. You can find them here:
I would be sure to get a machine that will future-proof you a little bit - so consider these the minimum.
Also, most carriers will require you to use the desktop version of Xactimate. So you likely won’t be able to use any mobile apps (at least as of 2019/2020).
Get good in the desktop version!
Shiny new laptop! Now what?
You won't be allowed to handle any claims without at least getting your home state license - or your DHS (designated home state license). Don't understand? Download the Complete Guide to Adjuster Licenses for IA's. This guide will provide you everything you need to know about getting your licenses including, which licenses to get and why, how to get them, and how to keep them current.
Download this guide to Licensing so you can fully understand what DHS, reciprocity, and CE all mean to you..
Learn Xactimate - before you can do anything else, you'll need to understand the fundamentals of the software that more than 90% of insurance carriers require you to use.
Get tactical with LIVE Xactimate training..
Can I be an independent adjuster if I’ve had a felony?
Depends. My best advice is to contact the department issuing the license and ask (DOI). Generally speaking, they’re looking for felonies and misdemeanors involving fraud, perjury, and theft, so a drunk driving conviction from 1991 may not matter. But still check to be 100%.
Can I handle claims for more than one IA firm at the same time? NOPE. At least not on cat. When you go on your first cat, you’ll have so much work that any idea of doubling your workload will make you laugh right out loud. And then cry. However, daily claims adjusters do it all the time and in many cases it’s required to make daily work worth it.
How many pairs of underwear should I bring on a storm deployment? This is a serious question. Very serious. Bring at least 14 pairs of underwear, undershirts, and socks. Because it’ll be at least two weeks before you have enough time to do laundry. You can usually get away with wearing the same carrier-logo’ed golf shirt and pants for a few days before you’ll need to switch to a fresh one.
I already gave you my email address for that other checklist thing, should I give you a different email address to download this other new thing I want to download?? My email system will see that you are already signed up and won’t start sending you duplicate emails that you’ve already gotten.
Listen, I’m with you: I hate getting a bunch of random emails all the time. The cool thing about my system is that it will learn what things you’re interested in and only send you stuff that you want to see (hopefully - I mean it’s a computer so who knows, right?).
Need an answer to a question you don’t see here? Shoot me a message and I’ll get it answered.
Before you get going full steam with your adjusting career, I’d love to share with you some insights and guidance that I’ve learned about starting an adjusting career the smart way.
The content in this email course is exclusive. You won’t find it anywhere else. I do that because I believe it’s important to start out with a focused, nurturing experience that rewards commitment.
Get immediate access now by clicking the button below. I cannot wait to help you get started.
I’m here for you as both a guide and as a mentor.
I want to hear your stories. I want to know how else I can help you. I want the AdjusterTV experience to be our experience, together. That’s how we all learn and grow together, including me.
I do my best to respond to emails. I treat everyone equally. And I firmly believe that I’m not special, just a normal guy who enjoys working hard and working smart. In everything I do here with AdjusterTV, I truly want to help you achieve your goals through a rewarding career as an independent adjuster that lasts.
Thanks so much for being here and have a great storm!