Texas Insurance Adjuster Property & Casualty Licensing Course & Exam approved by the Texas Department of Insurance
STATE APPROVAL NUMBER 45064EX400
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:
STATE APPROVAL NUMBER 45064EX400
LICENSE CATEGORY Adjuster License Course & Exam - Propery & Casualty
APPROVED HOURS 40 Hours
COURSE DESCRIPTION
This course will prepare individuals for the Property & Casualty Insurance Adjuster exam which is administered at the end of this course. This course not only covers all foundational concepts related to property and casualty insurance adjusting, but the very important Texas-specific insurance laws and regulations provided by the Texas Department of Insurance in relation to property and casualty insurance adjusting.
TOPICS COVERED
Standard Fire Policy
Auto Liability & Texas PAP
Personal Lines Coverage with ISO & TX Forms HO-A, HO-B, and HO-C
Commercial Lines Coverage
Inland Marine
Ocean Marine
Additional Coverages, Exclusions, and Extensions
Bonds
Insurance Terms and Related Concepts
Licensing Requirements (TX)
Marketing Practices (TX)
Adjuster Practices, Responsibilities, and Duties (TX)
LESSONS
Introduction
LESSON 1: Insurance Basics
LESSON 2: Adjusting Losses
LESSON 3: Homeowners & Dwelling Policies
LESSON 4: Personal & Business (Commercial) Automobile Insurance
LESSON 5: Commercial Lines Coverage
LESSON 6: Workers' Compensation
LESSON 7: Other Coverages
LESSON 8: Texas Statutes & Rules Common to Property & Casualty Insurance
LESSON 9: Adjuster Practices, Responsibilities & Duties
LESSON 10: Coverage for Homeowners, Automobile & Workers' Compensation
SUBJECT MATTER EXPERT
This course is created and brought to you by 360training, a leading provider of accredited e-learning courses to working professionals through today's leading schools, associations and corporations. 360training's high quality e-learning courses assist thousands of working professionals each month in a wide range of disciplines to succeed in today's marketplace, renew licenses, acquire certification or prepare for a new profession.
This course was created by the instructional design staff of 360training in connection with field professionals that bring many years of experience in adult educational theory and distance learning technology to make the process of certification, compliance and training as convenient, engaging and cost-effective as possible.
If you have any requests for technical or instructional support, please contact the 360training Support Department located in the HELP section of your account profile. Technical support inquiries are handled immediately and instructional support questions are returned within 24 business hours with answers provided by a qualified professional in your field through our network of subject matter experts.
COURSE ACCESS
The course will be accessible 24/7 with around the clock technical support available.
COURSE AVAILABILITY
The course will be available for 365 days from registration.
TESTING REQUIREMENTS
Testing will consist of lesson quizzes and one final examination.
You will need to pass the examination with a 70% in order to receive your Texas Propery & Casualty Adjusters License.
Upon course completion you will need to 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.
CERTIFICATE AVAILABILITY
Upon Course Completion Your Certificate will be mailed to you within 5 - 7 business days.
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 CarolinaArkansas Kentucky 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 24 hours a day, 7 days a week
Wednesday, May 4, 2005
Texas had most weather-related insurance claims in first quarter
Austin Business Journal
Mostly because of hailstorms in the Austin area and the Hill Country, Texas led the country in insured catastrophic losses during the first quarter, the Insurance Council of Texas said Wednesday.
According to the Insurance Services Office Property Claims Services unit in Jersey City, N.J., Texas led all other states with $565 million in weather losses from Jan. 1 through March 31. California's wet weather placed it at a distant second for catastrophic losses, with $275 million.
The Insurance Council of Texas estimates that insured losses from storms in the Austin area will amount to about $140 million once all the claims have been settled.
On March 25, a cold front triggered several thunderstorms that packed high winds and large hail, striking portions of the Austin area and the Hill Country. Council spokesman Mark Hanna says those storms resulted in about 40,000 insurance claims.
"This particular storm system came in waves, and damaged just as many homes as it did personal automobiles," Hanna says. "Commercial property losses were also extensive because of the damage caused to North Austin's new and used car dealerships."
2009 PREDICTIONS
PROBABILITIES FOR AT LEAST ONE MAJOR (CATEGORY 3-4-5) HURRICANE LANDFALL ON EACH OF THE FOLLOWING COASTAL AREAS:
1) Entire U.S. coastline - 63% (average for last century is 52%)
2) U.S. East Coast Including Peninsula Florida - 39% (average for last century is 31%)
3) Gulf Coast from the Florida Panhandle westward to Brownsville - 38% (average for last century is 30%)
4) Above-average major hurricane landfall risk in the Caribbean
For sales/enrollment questions call 866.959.6230
COURSE DESCRIPTION
Texas Insurance Claims Adjuster Certification License Online
This Texas adjuster course will prepare individuals for the Texas Property & Casualty Insurance Adjuster exam which is administered at the end of this course. This course covers all foundational concepts related to property and casualty insurance adjusting, plus the very important Texas specific insurance laws ®ulations provided by the Texas Department of Insurance in relation to property and casualty insurance adjusting.
TOPICS COVERED
- Standard Fire Policy
- Auto Liability & Texas PAP
- Personal Lines Coverage with ISO
- & TX Forms HO-A, HO-B, and HO-C
- Commercial Lines Coverage
- Inland Marine
- Ocean Marine
2009 Hurricane Season Is Late But Now It's
Here!
Become A Claims Adjuster BEFORE The Storms Hit!
Texas Insurance Claims Adjuster Certification License Online Training ,Texas insurance adjuster P&C licensing Hurricane Bill
How long have you been waiting for an adjuster to come look at your home's damage? That's just an indication of how badly adjusters are needed. This has been a particularly bad year for hail in Texas and now is the time to get a Texas Insurance Adjusters license.
Reciprocal license acceptance in 32 states
FOR A LIMITED TIME ONLY-USE CODE txadjuster0910 AT CHECKOUT FOR 10% OFF
- Additional Coverages, Exclusions, and Extensions
- Bonds
- Ins Terms and Related Concepts
- Licensing Requirements (TX)
- Marketing Practices (TX)
- Adjuster Practices, Responsibilities, and Duties (TX
LESSONS
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
Texas Hurricane Ike Insurance Claims Adjuster Certification License Online
The course will be accessible 24/7 with around the clock technical support available.
COURSE AVAILABILITY
The course will be available for 365 days from registration.
TESTING REQUIREMENTS
Testing will consist of lesson quizzes & one final examination.
You will need to pass the examination with a 70% in order to receive your Texas Property & Casualty Adjusters License.
Upon course completion you will need to 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.
FINGERPRINTING
You will need to mail that along with your Fingerprint receipt, TDI Adjuster Application and the $50 fee to TDI. 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
THE COMPLETE PACKAGE! SELF PACED! STATE APPROVED! ONLINE!
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Our Guarantee to You
If you do not pass your Texas Insurance License exam after taking one of our online preparation courses, you’ll be refunded the full amount of the course or given the option to take the course over.
Courses Follow Outline for Texas Licensing Exams
Our 40-hour P/C and L/H courses have been created to follow the Texas Insurance Department and Thomson Prometric state exam outline
Save Time
Our online courses can be taken anywhere, anytime, from any computer. All you need is a computer with internet connection. You won't have to take off from work or family obligations, and there will be no more driving to a classroom location.
High Quality
Our online Texas License Preparation insurance courses feature interactive multimedia and audio to enhance your learning experience. The courses have been created to meet the examination standards of Thomson Prometric.
Texas Hurricane Ike Insurance Claims Adjuster Certification License Online
This insurance agent pre-licensing course was developed using the most current exam outline given by the Texas Department of Insurance and Thomson Prometric
Texas Hurricane Ike Insurance Claims Adjuster Certification License Online
ADJUSTER LICENSE REQUIREMENTS
- Be 18 years of age or more
- Be a United States citizen or legal alien who possesses a work authorization from the US Immigration and Naturalization Services
- Take a certified adjuster pre-licensing course, or
- Successfully complete the Thomson-Prometric State Exam
- If a non-resident applicant holds a license in another state that allows Texas adjusters to operate within their jurisdiction, that applicant does not need to take the state exam pr pre-licensing course
- Exemption: Adjusters holding an AIC (Associate in Claims) or CPCU (Chartered Property and Casualty Underwriter) are not required to pass the state exam or take a pre-licensing course.
Hurricane Ike Information and Resources
WASHINGTON, D.C. -- The Department of Homeland Security's Federal Emergency Management Agency (FEMA) is coordinating the joint efforts of federal, tribal, state and local partners as immediate response activities begin to reach completion and recovery efforts begin across the Gulf Coast. For More information go to http://www.fema.gov/hazard/hurricane/2008/ike/index.shtm
Texas Hurricane Ike Insurance Claims Adjuster Certification License Online
OnlineSchoolRoom
Online SchoolRoom and 360training have joined forces to provide online education for the Insurance and Finance industry. Classroom Online 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. Students may print the certificate 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.
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.
P/C Insurers Apply Lessons from Hurricane Katrina
June 2, 2009
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.
2009 SEASON PREDICTIONS
EXTENDED RANGE FORECAST OF ATLANTIC SEASONAL HURRICANE ACTIVITY AND U.S. LANDFALL STRIKE PROBABILITY FOR 2009
We foresee a somewhat above-average Atlantic basin tropical cyclone season in 2009. We anticipate an above-average probability of United States major hurricane landfall.
(as of 10 December 2008)
By Philip J. Klotzbach1 and William M. Gray2
ATLANTIC BASIN SEASONAL HURRICANE FORECAST FOR 2009 Forecast Parameter and 1950-2000
Climatology (in parentheses) 10 December 2008
10 December 2008 Forecast for 2009
Named Storms (NS) (9.6) 14
14 Named Storm Days (NSD) (49.1) 70
70 Hurricanes (H) (5.9) 7
7 Hurricane Days (HD) (24.5) 30
30 Intense Hurricanes (IH) (2.3) 3
3 Intense Hurricane Days (IHD) (5.0) 7
7 Accumulated Cyclone Energy (ACE) (96.1) 125
125 Net Tropical Cyclone Activity (NTC) (100%) 135
135 PROBABILITIES FOR AT LEAST ONE MAJOR (CATEGORY 3-4-5) HURRICANE LANDFALL ON EACH OF THE FOLLOWING COASTAL AREAS:
1) Entire U.S. coastline - 63% (average for last century is 52%)
2) U.S. East Coast Including Peninsula Florida - 39% (average for last century is 31%)
3) Gulf Coast from the Florida Panhandle westward to Brownsville - 38% (average for last century is 30%)
4) Above-average major hurricane landfall risk in the Caribbean
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 Hurricane Ike Insurance Claims Adjuster Certification License Online
Texas Insurance Claims Adjuster Certification License Online Training
Hurricane Bill
Questions? 877.615.3329
Online Training for Texas Insurance Claims Adjuster
Texas Insurance Claims Adjuster License Online
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