Five Steps to Quickly Start Adjusting Out-of-State Claims
You can start adjusting out-of-state claims quickly, depending on your home state. One of the most popular questions that we now receive comes from independent adjusters – all lines, not just Workers Comp.
Question on Out-of-State Claims Adjusting
I just received an RFP to adjust claims in five states outside my home state. Can I adjust claims in those states? If so, what is the quickest way to get licensed?
The Five Steps
First – Make sure that your Home State license is up to date, including CEUs. If your home state adjusting license lapses, the other five states’ licenses also become invalid at the same time, ouch!
Second – Make sure that your Home State’s reciprocity works in Alabama, Florida, Mississippi, North Carolina, and South Carolina. See the end of this article for all states that reciprocate with Georgia.
Third – Contact each state’s Department of Insurance. Filling out a form and paying a fee should work for all five, as long as your license is equivalent to, or has more lines than, the one you are applying for in the other states. An all-lines license is still the best way to ensure you match one-to-one with the other states’ lines of insurance.
Fourth – Become familiar with NIPR and Sircon.
Fifth- Be patient. You are working with six states’ insurance systems. You may find a few hurdles along the way.
Reciprocal States
The claims adjuster lives in Georgia. Let us see where you can adjust claims using the reciprocity rule. All states have the rule. Some states say no, such as California.
The list for Georgia is:
Georgia Reciprocity List
States change their insurance laws constantly. The list can be found here.
Alabama
Alaska
Arizona
Arkansas
Connecticut
Delaware
Florida
Idaho
Indiana
Iowa
Kentucky
Louisiana
Maine
Michigan
Minnesota
Mississippi
Montana
Nevada
New Hampshire
New Mexico
North Carolina
Oklahoma
Oregon
Rhode Island
South Carolina
Texas
Utah
Vermont
Washington
West Virginia
See the previous articles on reciprocal licenses
