Home › Guides Reviewed October 2, 2026 by the CoveragePrep editorial team · Sources: state insurance departments, statutes, exam candidate handbooks · How we research
Guides Guides for new insurance adjusters Everything between deciding to become an adjuster and closing your first claim: licensing, career paths, the exam and the policies you will adjust every day.
Career How to Become an Insurance Adjuster in 2026: Step-by-Step Guide How to become an insurance adjuster in 2026: adjuster types, state license rules, exam vs 40-hour course, fingerprints, Texas and Florida costs, first jobs. Independent vs Staff vs Public Adjuster: Roles, Pay and Licensing Compared Independent vs staff vs public adjuster: who each represents, how each is paid, licensing and bond rules in Texas and Florida, pros and cons, career paths. Catastrophe Adjuster Guide: Deployments, Emergency Licenses, Gear and Pay Catastrophe adjuster guide: what CAT adjusters do, storm seasons, Texas and Florida emergency licenses, gear checklist, fee schedule pay, rosters and safety. Licensing Designated Home State Adjuster License: Who Qualifies and Which State to Choose Designated home state adjuster license explained: who qualifies, which states offer DHS licenses, Texas DHS vs Florida 70-20, CE rules and common mistakes. Texas vs Florida Adjuster License: Which Should You Get? (2026 Comparison) Texas vs Florida adjuster license compared: exam format, fees, 40-hour course route, fingerprints, CE, appointments, emergency licenses and reciprocity. Adjuster continuing education requirements by state CE hours, ethics hours and renewal periods for every state that licenses adjusters. Policies Insurance Contract Law Basics: What Every Adjuster Must Know Insurance contract law for adjusters: contract elements, aleatory and adhesion contracts, insurable interest, warranties, waiver and estoppel, and subrogation. Homeowners Policy Explained: HO-3 Coverages, Forms, Limits and Exclusions Homeowners policy explained for adjusters: HO-2 to HO-8 forms, Coverages A to F, Coverage C special limits, the 16 named perils, exclusions and the 80% rule. Dwelling Policies Explained: DP-1 vs DP-2 vs DP-3 for Adjusters DP-1, DP-2 and DP-3 dwelling policies compared: perils, loss settlement, fair rental value and the 20% rule, vacancy rules, liability and HO-3 differences. Personal Auto Policy Explained: Parts A to F of the ISO PAP Personal auto policy explained for adjusters: ISO PAP Parts A to F, key definitions, split limits, UM, collision vs other than collision, and TX and FL rules. Commercial Property Insurance Basics: CP 00 10, Causes of Loss and Business Income Commercial property insurance basics for adjusters: CP 00 10 coverages, basic vs broad vs special causes of loss, coinsurance math, business income and the BOP. General Liability and Negligence: Tort Basics and the CGL Policy General liability and negligence for adjusters: the four elements, comparative fault, damages, CGL Coverages A, B and C, limits, exclusions and claims-made. Workers Compensation Basics: Benefits, the WC and EL Policy, and Claims Workers compensation basics for adjusters: no-fault and exclusive remedy, compensability, benefits, the WC and EL policy, federal laws, Texas non-subscribers. Claims The Insurance Claim Process for Adjusters: First Notice to Closed File The insurance claim process for adjusters, step by step: first notice, coverage, investigation, reserves, settlement, appraisal, fraud and state deadlines. NFIP Flood Insurance Claims: The SFIP, Limits, Deadlines and Appeals NFIP flood insurance claims for adjusters: SFIP flood definition, coverage limits, basement rules, waiting periods, 60-day proof of loss, appeals and lawsuits.