CNC requires each adjuster to have either a valid state adjuster license or a valid FCN card issued by FEMA. Adjusters who meet these requirements can work for CNC; however, additional training and certifications are required for certain carriers, and licensing laws vary from state-to-state.
A staff adjuster is an employee of an insurance company whose work is to investigate, evaluate, and eventually settle a claim. An independent adjuster is usually either self-employed or employed by an insurance adjusting firm who specializes in insurance claims. They adjust claims on behalf of the insurer and may work for several different carriers.
CNC communicates with adjusters via phone calls, text, and email.
Stay close to you telephone when you see catastrophic weather occurring such as hail storms, tropical storms, and hurricanes.
Ensure you’re opted in to receiving notifications by going to Claimsource > Click ‘PROFILE’ in the top-right corner > Opt in!
Check your spam folder
Let HR know you are interested in working internally with CNC
Check with HR to schedule a time to come in and shadow an examiner or internal rep to see if those positions would be a good fit for you
Watch the weather and keep your licenses up to date. For hurricanes and tropical storms, concentrate on obtaining licenses along the Gulf Coast and Eastern Seaboard.
Salary.com lists the average independent claims adjuster salary as $45,730 as of May 31, 2019. The amount of money you can make as an adjuster will fluctuate widely based on many factors including weather, the amount of claims volume you are able to handle, and what types of licenses you currently hold.
Some commonly used tools and equipment for insurance adjusters include:
Rope & harness
CNC requires each adjuster to have either a valid state adjuster license or a valid FCN Card issued by FEMA. CNC does not have any certification requirements; however, many carriers require adjusters who are performing work on their claims to obtain company-specific certification. Having multiple carrier certifications will help you qualify for more deployments.
Call us or check the Training Calendar for upcoming certification opportunities.
Adjusters are responsible for paying for all expenses incurred while on deployment. Expenses related to deployments may include:
Travel to and from the deployment site
Equipment such as a computer, iPad, and digital camera
Adjusters should be prepared to be on site within 24 to 48 hours of deployment. In large events, CNC will place adjusters on standby prior to deployment. When placed on standby, you should pack your gear and make any necessary arrangements so that you will be ready to leave for the assigned location when you are deployed.
A deployment is a claim adjusting assignment. Deployment times may vary from a few days to several months, depending on the volume of claims involved.
CNC handles daily claims assignments and catastrophe claims.
To succeed as an insurance adjuster, you will need:
Attention to detail
Ability and stamina to work long hours
Excellent customer service skills
A working knowledge of the internal and external auto parts or home construction
Proficiency in email correspondence
Proficiency in auto adjusting software such as Audatex, CCC, Mitchell
Proficiency in property adjusting software such as Simsol, Symbility, Xactimate
Proficiency in web-based communications including uploading and downloading information
Once your application has been reviewed and accepted by HR, you are active on CNC’s roster. In order to remain active, you should:
Check in with your HR point-of-contact on a monthly basis
Notify your point-of-contact of any license or certification renewals as they occur
Work on obtaining additional licenses and certifications that will help you qualify for carrier-specific and state-specific deployments
Insurance adjusters perform work in many locations. Some examples are:
Inspecting homes, businesses, and automobiles in the field for daily or catastrophe claims
Desk administrative support, adjustment, or quality control at a CAT site
Desk adjuster or administrative support assignments at client offices
Desk adjuster assignments handling small losses over the phone from CNC’s main office
Adjuster license reciprocity is an agreement between states such that an adjuster holding a license in his or her home state can successfully apply for a license in another state without having to take that state's exam or pre-licensing course.
Once you have your home state license, you may be able to apply for a reciprocal license in states that have a reciprocity agreement with your home state.
Contact the Department of Insurance in your state of interest to see if your current state license has reciprocity, or for other state-specific licensing questions.
In some cases when there is a large volume of claims due to a catastrophic weather event, a state’s department of insurance will allow insurance adjusters to work claims related to that event on a short-term basis with an emergency license. Emergency licenses may be accepted by CNC based on the event, but they are not preferred.
CNC sends out two types of insurance adjusters; Adjusters that work as a W-2 employee of CNC and adjusters that work as an independent contractor.
For W-2 assignments, CNC will employee adjusters as needed to fill assignments received by the carrier. In many cases CNC may be able to deploy family members to be assigned to the same deployment. Each employee must be assigned to a deployment separately by CNC and must complete their individual deployment paperwork.
For independent contractors, CNC will contract with one person or entity who is assigned claims and is ultimately responsible for those claims. An independent contractor may hire his own assistant to help perform administrative tasks as long as that individual is properly licensed and is paid by the contractor directly.
Not all training classes offered by CNC will count for CE credit. Classes must be pre-approved by the state’s Department of Insurance to qualify. For more information on upcoming CE opportunities, please call us at (251) 471–4718, opt. 4.
CNC offers various adjuster training throughout the year, such as:
NFIP flood certification classes
Of course! In small events, our home-office claims team holds webinars, storm updates, and is available by phone to assist. In large CAT events, CNC will have field managers and trainers on-site, as well as evening study halls and software assistance.
Family owned and operated – you’re more than just a number here!
30+ years in the game and going strong – we’ve worked every major catastrophe since 1989’s Hurricane Hugo. Now we handle more than just catastrophe work! We work with adjusters nationwide to cover daily, casualty, TPA operations and more!
Tech – We embrace technology; we don’t run from it. We are always reviewing and streamlining our processes to make the claims experience user-friendly to all parties involved.