OnlineSchoolRoom is proud to be one of the few providers of online insurance adjuster courses that offers the complete package! You shouldn't waste time and energy taking a course online and then have to go elsewhere to take the exam to receive a license. Our course is the fastest and most effective path to a career you can be proud of....and at a fraction of the cost of some of the others. There are no educational pre-requisites for becoming an insurance claims adjuster. A college degree is not necessary. Join the many of our satisfied customers and see why Online SchoolRoom is a leader in the industry of online training classes.
Texas Insurance Adjuster Property And Casualty Licensing Course And Exam
Approved by the Texas Department of Insurance
STATE APPROVAL # 45064EX400
FOR A LIMITED TIME ONLY - USE CODE txadjuster0910 AT CHECKOUT FOR 10% OFF
COURSE TITLE HOURS COST
Texas Insurance Adjuster Property & Casualty 40 $299.00
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:
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.
SPECIAL NOTE:
Keep in mind that if you have a Texas Insurance Adjusters license and any of the states below have a natural disaster occurring like hurricanes etc - Texas has a reciprocal license agreement with them and you may be able to work these states with an emergency permit from that state.
Alabama
Georgia Mississippi Oregon
Georgia Mississippi OregonAlaska Hawaii Montana Rhode Island
Hawaii Montana Rhode IslandArizona Idaho Nevada South Carolina
Idaho Nevada South CarolinaArkansasKentucky New Hampshire Utah
Kentucky New Hampshire UtahCalifornia Maine New Mexico Vermont
Connecticut Massachuttes New York Washington
Delaware Michigan North Carolina West Virginia
Florida Minnesota Oklahoma Wyoming
For Enrollment Questions call 877.615.3329 M-F 8am-5pm CST
For tech support (passwords) call 800.442.1149
We offer support 7 days a week, 24 hours a day
CONTENT
The Texas Insurance Agent Pre-Licensing course was developed using the most up to date exam outline given by the Texas Department of Insurance and Thomson Prometric. No credit is given for the Agent L&H or P&C courses, as there is no requirement for pre-license study in the State of Texas.
Texas Insurance Claims Adjuster Online Training School
Our Texas adjuster course will prepare students for the Texas Property & Casualty Insurance Adjuster exam which will be administered at the conclusion of this course. Our course covers all foundational concepts relating to property & casualty insurance adjusting in addition to the Texas specific insurance laws and regulations provided by the Texas Dept of Insurance concerning property and casualty insurance adjusting.
This course is 100% self paced and is available to anyone with an internet connection.
TOPICS INCLUDE
- Adjuster Practices, Duties and Responsibilities (TX)
- Marketing Practices (TX)
- Personal Lines Coverage with ISO & TX Forms HO-A, HO-B, and HO-C
- Licensing Requirements (TX)
- Inland Marine
- Ocean Marine
- Additional Coverages, Exclusions, and Extensions
- Bonds
- Insurance Terms and Related Concepts
- Commercial Lines Coverage
- Auto Liability and Texas PAP
- Standard Fire
LESSONS COVERED
Introduction
- LESSON I: Insurance Basics
- LESSON II: Adjusting Losses
- LESSON III: Homeowners & Dwelling Policies
- LESSON IV: Personal & Business (Commercial) Automobile Insurance
- LESSON V: Commercial Lines Coverage
- LESSON VI: Workers' Compensation
- LESSON VII: Other Coverages
- LESSON VIII: Texas Statutes & Rules Common to Property & Casualty Insurance
- LESSON IX: Adjuster Practices, Responsibilities & Duties
- LESSON X: Coverage for Homeowners, Automobile & Workers' Compensation
COURSE ACCESS AND AVAILABILITY
The course will be accessible 24/7 with around the clock technical support available. Because this is a self- paced course, you can work on it at your convenience. The course will be available for one full year from registration.
FINGERPRINTING
Fingerprints are now submitted electronically to TDI and appointments for fingerprint services at a Prometric location can be made with Integrated Biometric Technology at 888-467-2080 or online at http://www.iisfingerprint.com. The license application and address for TDI can be found on the website at: http://www.tdi.state.tx.us/forms/agents.html. This course is approved as a substitute for the Texas Adjuster Exam; if completion of this course and exam is successful you will be exempt from taking the exam through the Texas Department of Insurance.
TESTING, COURSE COMPLETION, AND CERTIFICATE AVAILABILITY
Testing will consist of lesson quizzes and a final examination. You will need to pass the examination with a 70% in order to receive your Texas Property and Casualty Adjusters License.
Upon course completion and passing of the final exam, Classroom Online will mail you a Certificate of Completion within 5-7 days. You will then 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.
OVERNIGHT CERTIFICATE SHIPPING
All shipping orders that are overnight and 2nd day deliveries must be placed by 3pm CST. Orders placed after 3pm will be shipped out the next business day. Weekends are excluded from all deliveries except for Saturday Express which must still be placed by Friday at 3pm. Friday orders after 3pm CST will be shipped out on Monday
Texas Insurance Claims Adjuster Online Training School - Hurricane Ike
Agent & Adjuster Licensing
From the Texas Dept of Insurance
The Licensing Division is responsible for the licensing and regulation of persons who wish to sell insurance or adjust property-casualty claims in the state of Texas. At the end of August, 2007, there were 370,000 agents, agencies, and adjusters licensed. The Division processes license applications, renews licenses, registers appointments of agents by insurers, and regulates continuing education for licensees. The licensing of third party administrators and premium finance companies is also handled by the Division.
Course brought to you by OnlineSchoolRoom Professional Training
.Texas Insurance Claims Adjuster Online Training School
What is an Adjuster?
An adjuster is an person employed by a property and casualty insurance company (or an individual) to settle claims on its/their behalf brought by an insured individual or company. The adjuster evaluates the merits of each claim and makes recommendations to the insurance company. In fact, an adjuster is one who investigates insurance claims or claims for damages and recommends an effective settlement.
How much do insurance adjusters get paid?
Working as an independent claims adjuster, how much you get paid depends largely upon how much & how hard you are willing to work. An independent adjuster will typically be paid on a per claim basis with the amount paid being a relative percentage of the settlement amount..An independent adjuster can expect, if working hurricane claims, to make an average of $400 per claim he or she settles. As an independent contractor, an independent adjuster determines his own schedule, but an industrious and effective insurance adjuster should be able to "close" between 3 and 5 claims per day. Thus, a good claims adjuster can easily make over $1,000 a day while working catastrophe claims.
What is the cost of the course and how may I pay for it?
The cost of the Texas Insurance Adjuster's course is $299 or $359. You may pay using all major credit cards (Visa, MasterCard, Discover, American Express) and Telecheck.
Do I need to have sound on my computer to take these classes?
While sound is another feature of our courses, it is not necessary for a customer to have sound in order to learn the course material or complete the course. All information played in audio is also displayed in text by the course player.
How do I get a username or password? What do I use it for? What should I do if I forget it?
The username and password is something selected by the student at the time of course registration. It should also be something that they can easily remember. We suggest the student use their email address as their username ID. Students will use the same username and password each time they attempt to log in to the virtual university page to access their course. This information is entered in the returning students section on the home page of the virtual university. If a student forgets his/her password, he/she can call 800-442-1149 to request this information.
How long are the courses valid?
All courses are available for 365 days from the date of purchase except for:
• Insurance Pre-license/Exam Prep – 120 days
• Securities Prep Online – 120 days
• Securities Prep Text Books and Exam Prep Software – yours to keep
NOTE:
If courses are approved, all approvals will be renewed and will remain valid. There may be the occasional exception to this but students will be notified and either reimbursed or placed into another course that fulfills the same requirement at no extra
Hurricane Ike caused about $8.5 billion in damage to Harris County houses, apartments and mobile homes, according to a preliminary estimate being released today.
The report by the Harris County Housing Authority indicates that Ike will be far costlier than any other Houston-area storm in recent memory.
State editorial roundup
By The Associated Press © 2008 The Associated Press
Nov. 24, 2008, 3:40PM
Nov. 21
The Dallas Morning News on more FEMA woes:
Gov. Rick Perry is right to be fed up with the Federal Emergency Management Agency's unfulfilled promises to help clean up the Texas Gulf Coast in the wake of Hurricane Ike.
Trailers didn't arrive in the numbers promised. Some that did were padlocked and unusable. But if that's not enough of slap in the face to hurricane victims, FEMA now is trying to dump cleanup costs it should pay onto Texas counties.
This is reprehensible behavior, and to Mr. Perry's credit, he's not standing idle. Last week, he announced a new commission to oversee rebuilding costs and ordered state transportation officials to haul away debris. It's the right thing for the state government to do because residents are suffering and FEMA seems to be running in the opposite direction.
The federal agency should demonstrate a similar sense of responsibility. If FEMA wins this battle to skirt its obligations, Texas counties would be on the financial hook for about $500 million, or 25 percent of the $2 billion cleanup cost an amount they can't afford. In Chambers County, for example, the cleanup tab would exceed $10 million, nearly half the county's annual budget. Tapping the state budget surplus and rainy day fund, as the feds want Texas to do, isn't an option either. Although the rainy day fund contains about $6.9 billion, a large portion is committed to state programs.
FEMA seems to be singling out Texas unfairly. The federal agency paid all debris removal costs after Hurricane Katrina swept across Louisiana, and it should do the same for Texas.
The mess is compounded by the lack of straight answers. Gov. Perry's office tells us that President George W. Bush didn't even know of the Texas request for aid when the governor spoke with the president by phone last week.
Meanwhile, Texas coastal communities are waiting for help. Hundreds of residents still live in tents, disabled cars and condemned homes as they await FEMA inspectors, insurance adjusters, mobile homes and utilities. If this is emergency management, we'd hate to see emergency mismanagement.
Hail damage estimated at
$160 million
Impacted: More than 22,000 vehicles,
15,000 homes
Updated: Monday, 30 Mar 2009, 5:51 PM CDT
Published : Monday, 30 Mar 2009, 10:00 AM CDT
Carla Castano
AUSTIN (KXAN) - Many Central Texans are still cleaning up from a large hail storm that knocked out windows, smashed roofs and dented thousands of automobiles on March 25. The Insurance Council of Texas estimates the insured losses will be around $160 million.
It's the most costly hailstorm in Central Texas in memory, council spokesman Mark Hanna said.
"I can't recall a hail storm of this magnitude, going back a couple of decades,” said Hanna.
Repair shops, car rental companies and insurance agents are all struggling to keep up with so many people who were impacted.
Most rental-car companies in the area are sold out.
"All the rent cars are gone because of all this hail," said Sherrie Jones of northwest Austin.
Jones said she will be depending on rides from friends for the next couple of weeks, until her car can be repaired.
"Compounding the situation was the fact that a couple hundred Enterprise rental cars were also damaged,” said Ned Maniscalco, Enterprise Rent-A-Car spokesman. “We are now in the process of bringing in replacements for those vehicles from all around Texas as well as from Oklahoma."
The storm swept in from Western Burnet County pummeling Marble Falls with golf ball size hail. Tennis ball size hail was reported in parts of Travis and Williamson counties.
Hundreds of new cars in several automobile dealerships were heavily damaged. In all, more than 22,000 vehicles were damaged in the storm, and nearly 15,000 homes received insured losses.
Major insurance companies have been advertising in the local media alerting policyholders where to call to report their claims.
This is the second time in less than a year that parts of Austin have been pounded by a catastrophic hail storm. On May 14, 2008, 20,000 claims came from a storm producing 65 mph wind gusts and large hail. The May 14 storm caused $50 million in insured losses.
The Insurance Council of Texas is the largest state insurance trade association in the country consisting of approximately 500 property and casualty insurers writing business in Texas. For more information turn to ICT’s Web site .
Each window repair worker is putting in about a dozen new windshields a day and still Enterprise Rent-a-car is struggling to keep up with all the requests for rentals. With some 25,000 thousand damaged cars reported to insurance companies in central Texas the well-known rental company is putting the gas on repairs.
In the short term, the storm is bringing in more work to the sluggish auto and home repair industries, which have been down
However, it could potentially mean an increase to insurance rates down the road. "Having two bad hail storms back to back it's certainly not positive."
Still, Insurance Council of Texas spokesman Hanna said, now could be a good time to shop around to make sure you have the coverage you want.
P/C Insurers Apply Lessons from Hurricane Katrina
June 2, 2009
E-mail this Article Post Comment Print this Article Article Reprints
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.
Adjusters Are Needed NOW for Hurricane Ike Damage Houston/Galveston Claims Adjusting licence
On the morning of September 13, 2008, the eye of Hurricane Ike approached the Texas coast near Galveston Bay, making landfall at 2:10 a.m. CDT over the east end of Galveston Island. People in low-lying areas who had not heeded evacuation orders, in single-family one- or two-story homes, were warned by the weather service that they may "face certain death" from the overnight storm surge.
In regional Texas towns, electrical power began failing before 8 p.m. CDT, leaving millions without power (estimates range from 2.8 million) to 4.5 million customers). Flood waters begin to rise in a neighborhood of Galveston, Texas. In Galveston, by 4 p.m. CDT on September 12, the rising storm surge began overtopping the 17-ft (5.2 m) Galveston Seawall, which faces the Gulf of Mexico; waves had been crashing along the seawall earlier, from 9 a.m. CDT.
Although Seawall Boulevard is elevated above the shoreline, many areas of town slope down behind the seawall to the lower elevation of Galveston Island. Even though there were advance evacuation plans, Mary Jo Naschke, spokesperson for the city of Galveston, estimated that (as of Friday morning) a quarter of the city's residents paid no attention to calls for them to evacuate, despite predictions that most of Galveston Island would suffer heavy flooding storm tide.
By 6 p.m. Friday night, estimates varied as to how many of the 58,000 residents remained, but the figures of remaining residents were in the thousands. Widespread flooding included downtown Galveston: six ft (2 m) deep inside the Galveston County Courthouse, and the University of Texas Medical Branch at Galveston was flooded. - source: Wikipedia
Texas Insurance Claims Adjuster Online Training School - Hurricane Ike
Texas Insurance Claims Adjuster Online Training School
Online SchoolRoom and 360training have joined forces to provide online education for the Insurance and Finance industry. Online SchoolRoom is dedicated to providing online insurance continuing education courses in the most cost-effective and time-efficient manner possible. Our Online School provides continuing education for insurance agents as well as pre license and life insurance continuing education courses. The courses are easy to navigate and cost a fraction of a traditional classroom course. Some of those may take weeks and cost hundreds more. For many of the courses, students may print the certificate of completion online upon completion of the course, or we'll mail it. In addition, students can log on or off at leisure during the course process from any computer.
RE: WEATHER-RELATED EVENTS
(from the Texas Department of Insurance)
In accordance with the Insurance Code, Section 542.059, and 28 TAC 5.9303, the Texas Department of Insurance has determined the weather-related events occurring on February 16-17, 2008, in the counties of Bastrop, Brazoria, Cameron, Collin, De Witt, Duval, Galveston, Guadalupe, Harris, Haskell, Hidalgo, Hill, Houston, Jim Wells, Live Oak, McLennan, Milam, Navarro, Newton, Nueces, Sabine, Shelby, Taylor, Trinity, Tyler, Victoria, and Walker are a catastrophe for the purpose of claims processing.
In accordance with the Insurance Code, Section 542.059, and 28 TAC 5.9303, the Texas Department of Insurance has determined the weather-related events occurring on February 16-17, 2008, in the counties of Bastrop, Brazoria, Cameron, Collin, De Witt, Duval, Galveston, Guadalupe, Harris, Haskell, Hidalgo, Hill, Houston, Jim Wells, Live Oak, McLennan, Milam, Navarro, Newton, Nueces, Sabine, Shelby, Taylor, Trinity, Tyler, Victoria, and Walker are a catastrophe for the purpose of claims processing.
Claims resulting directly from the above-defined catastrophe in the counties listed above shall be subject to the additional time periods allowed by Section 542.059, Texas Insurance Code for the processing of claims.
Get your insurance education credits and insurance license continuing education anytime, anywhere. All you need is a computer connected to the Internet. Browse our Insurance course catalog -- select a state, then select a course.
Cities served:
Texas Insurance Claims Adjuster Online Training School -Storm damage adjusting online training classes. Adjuster training classes for hurricanes, tornadoes and hail storms.
Adjusters Are Still Needed for Hurricane Ike Damage
Houston/Galveston Claims Adjusting
Even More Needed Now the 2009 Season is Here
Reciprocal license acceptance in 32 states - Check your state regulations
Texas Insurance Claims Adjuster Online Training School -Storm damage adjusting online training classes. Adjuster training classes for hurricanes, tornadoes and hail storms.
Texas Insurance Claims Adjuster Online Training
CID2618
