Frequently Asked Questions
Adjuster Licensing Continuing Education Claims Training
This Texas All Lines Adjuster Pre-Licensing Course (#26545) is offered by AE21 Incorporated (Provider #33260) with the approval of the Texas Department of Insurance. This online licensing program is the most comprehensive licensing program available anywhere in the United States for entry into the field of insurance claims adjusting. Satisfactory completion of this course allows the student to secure a Texas All Lines Adjuster's license without sitting for the State of Texas' All-Lines Adjuster Examination as issued by Pearson Vue.
1. What is the course objective?
Successful completion of this course will fulfill the Texas Pre-Licensing requirements for adjusters seeking licensure in the following “License Types”:
Resident Adjuster – All Lines
Non-Resident Adjuster – All Lines "Designated Home State" Texas
2. Who should take this course?
This course will fulfill the Pre-Licensing requirements for:
Residents of Texas applying for an “All-Lines” Adjusters License
Non-Residents of Texas who are domiciled in a state that does not require adjusters to be license for the line of authority sought
Important: Applicants domiciled in states that require resident adjusters to be licensed in their home state (CT, LA, NC, OK, etc) can only receive a Texas adjuster’s license via reciprocity. Accordingly, applicants must secure their home state license prior to applying for a Texas adjuster’s license. Please call us @ 800-820-4550 if you are unsure of your state requirements.
3. Once enrolled, how long do I have to complete the course?
You will have 90 days to complete the course. Extensions will be granted if necessary. The program will always tell you how many days you have left to finish the course.
4. Is any part of the course timed? Such as quizzes or exams?
Throughout the entire course, you are able to work at your own pace. Spend five minutes at a time, or work steady for hours. No part of the course itself, including the interactive inquiry periods and quizzes, is timed. Only the final exam is timed.
5. Are there any special tips regarding taking this online course?
Our online courses utilize interactivity to bring you an experience that is more than just “words on paper”. To get the most out of this course and ensure a truly exceptional online experience, click here for some important and helpful tips.
6. Will I be able to find my way back to where I last left off?
Always! The program is designed to bring you to the place in the course where you last left off, and you can always view other parts of the course you’ve taken, just in case you want to go back and review a part..
7. Will I be able to go back and review the material as I go through the course?
Certainly! This course is open-book. You will be able to navigate back to sections you have already covered. You will also be able to do the same as you cover the interactive inquiry periods and quizzes scattered throughout the course.
8. How much must I score on a quiz or exam to pass that section? What if I fail a quiz or exam? Will I fail the entire course?
Here is the good part! Throughout the course, your progress is measured by the average score you receive on the interactive inquiry periods and quizzes. You must achieve an average 70% score on a section (e.g. Introduction to Claims) in order to move to the next section (e.g. Casualty Claims Adjusting).
For instance, assume you are really wanting to get into Property Claims Adjusting, and you’re having trouble with Auto, PIP or Work Comp. You might achieve a 50% on a PIP quiz, or a 65% on a Work Comp quiz, but your scores are in the 70’s, 80’s and 90’s on others, as long as you average 70% across the board, you will be able to move forward. Rest assured, however, that AE21 Online’s proprietary “reinforced-learning” process will make 100% a commonplace score throughout the course, and although it is not necessary to achieve such a perfect score, you will find it easy to go back and review the issues you’re having difficulty with and find the perfect answer!
9. Does the Final Exam have to be proctored?
Yes, but this is also made easy! A disinterested 3rd party merely needs to complete and sign the “online” affidavit right below your own signature and attest to having witnessed you taking the exam without outside assistance or materials.
10. When will I receive my course completion certificate?
Your certificate will be emailed to you within 3-5 business days.
*NOTE that the Texas Department of Insurance (TDI) has different requirements for RESIDENT and NON-RESIDENT applicants.
1. As a Texas resident, how do I apply for an adjuster’s license?
After successfully completing the AE21 Online Texas All-Lines Adjuster Pre-Licensing Course and receiving your “Certificate of Completion”, you will do the following:
Secure your electronic fingerprints. Follow the step by step instructions for “Electronic Fingerprinting” listed on page 14 of 14 of the FIN506 application.
Complete the License Application (Individual) form. Form FIN506.
Mail your completed application, FAST Pass receipt, photocopy of the AE21 Certificate of Completion and a check for $50 to TDI.
2. How do I apply for a Texas non-resident license if I already hold a license in my resident state?
Non-residents who hold a current insurance license in good standing in the applicant’s state of residence may apply by reciprocity and are exempt from the fingerprint requirements. (See Part VII – Background Information and Fingerprints on page 10 of 14 in the license application). Non-residents may apply to TDI by submitting:
NOTE: Applicants domiciled in states that require resident adjusters to be licensed in their home state (CT, LA, NC, OK, etc) can only receive a Texas adjuster’s license via reciprocity. Accordingly, applicants must secure their home state license prior to applying for a Texas adjusters license.
3. What if I am a non-resident of Texas and do not live in a state that requires adjusters to be licensed…can I designate Texas as my home licensing state?
Yes; by fulfilling the same requirements as a Texas resident adjuster. Note on the Adjuster License Application within Part I; you would check the box for “Adjuster–All Lines Designated Home State Texas” and complete Part II (#3), “Nonresident Adjuster Designated Home State Texas Applicants Only” on page 4 of 14 of the FIN506 application.
NOTE: By designating Texas as the home state, applicants are subject to Texas license compliance standards including fingerprinting and continuing education requirements
4. As a non-resident wishing to designate Texas as my home licensing state, do I need to provide fingerprints with my application?
Yes; fingerprints are required for non-residents as well. Please note however that the process for securing non-resident fingerprints is different than it is for Texas residents. IMPORTANT!... Electronic fingerprinting is NOT accepted for non-residents. Follow the step-by-step process outlined in the “Exception to Electronic Fingerprinting” information listed on page 14 of 14 of the FIN506 license application.
5. In what instances would I be qualified to secure a Texas adjuster's license without taking the licensing examination?
There are two (See Part II #2 & 3 listed on page 4 or 14 of the FIN506 license application):
If you are a non-resident of a reciprocal state and hold an adjuster’s license that is in good standing;
If you hold a CPCU designation or Associate in Claims (AIC) certification.
1. What are the TXDOI continuing education requirements for RESIDENT Adjusters?
TXDOI requires adjusters domiciled in the State of Texas to complete 24 hours of Continuing Education within their 2-year licensing period. Two (2) of the total 24 hour requirement must be completed in Ethics/Consumer Protection course(s). To be in compliance with TXDOI requirements, all CE must be completed by 11:59 PM on the day before the actual license renewal date.
Resident Texas adjusters that adjudicate Worker’s Compensation claims in Oklahoma are required to take 6 hours of CE in Oklahoma Workers Compensation Act.
2. What are the TXDOI continuing education requirements for NON-RESIDENT Adjusters that have designated Texas as their home licensing state?
Residents of another state that do not license adjusters (example VA, KS, TN, etc) and who have designated Texas as their home licensing state, are subject to the same 24 hour CE requirements as Texas Resident Adjusters.
3. What are the TXDOI continuing education requirements for NON-RESIDENT Adjusters that have NOT designated Texas as their home licensing state?
Nonresident licensees who are in compliance with their resident state’s continuing education requirements shall be exempt from completing Texas CE requirements.
4. What are the TXDOI CE course topic groups?
There are only two topic groups, "General" and "Ethics/Consumer Protection". You may complete any TX CE approved course to satisfy your CE requirements - regardless of your License type. There is no limit to the number of ethics courses taken. Excess hours (beyond 2-hours) will be applied to the General total.
5. What are the TXDOI rules on repeating courses?
If you take a course more than once in the same license period, you will get credit only once. Duplicate credits may not be carried forward. Courses may be repeated in different license periods for credit. You will not receive credit for courses completed prior to your license issue date. No CE credits are awarded for completion of a Pre-licensing Course.
To avoid duplicating efforts, always check the course number of the course you intend to enroll in and compare it with your transcript at http://www.sircon.com/texas
Course numbers for approved CE courses are always unique to the provider offering the course. Even if the title of the course you are considering looks familiar, if you haven’t taken the course previously with AE21 Online, you won’t be repeating the course.
6. What are the TXDOI rules on CE carry-over hours?
Excess hours earned in a reporting period may not be carried forward into the next reporting period.
7. Must all CE requirements be completed before an adjuster can file for renewal of their Texas license?
Adjusters may renew their Texas license online within 60 days of their renewal date without completing all of the 24 CE hours required. However, all CE must be completed by 11:59 PM on the day before the actual license renewal date to avoid fine or penalty.
8. Does the TXDOI provide for exemptions and/or extensions of time for a Licensee to complete CE?:
Exemptions and extensions are possible under very limited circumstances. The key to an extension being granted is proper documentation of a circumstance described in the rule that is beyond the licensee's control. Examples might be long term illness, and military service in a theater of war. Reasons related to business or work load are never acceptable. Documentation is also important when claiming an exemption from continuing education if our records do not show current eligibility.
9. Does the TXDOI provide for a CE grace period?
Other than the exemptions listed above, NO! There is no continuing education "grace period", and there is a heavy price to pay for not completing your CE requirement on time! Once the expiration date has passed, a violation exists. If the CE requirement has not been completed prior to the expiration date of the license, you must pay a fine based on the number of CE hours not completed during the reporting period AND complete the deficient hours within 90 days of the license expiration date. The fine for not doing the required continuing education is $50 per deficient hour. For a payment voucher to accompany your payment, click http://tdi.texas.gov/forms/finagentlicense/FIN519.pdf. This will clear the violation, after which you can then get to work completing your deficient credits. If you do not, you could lose your license!
10. Can I fulfill all of my Texas CE requirements by completing online “Classroom Equivalent” or “Self Study” and Courses?
Yes. At least 12 hours must be accrued by taking “classroom-equivalent” online courses. The remaining fifty (50%) percent of the continuing education requirement may be completed through “self-study” courses (either correspondence or online). This means that, as long as the courses are either “classroom-equivalent” or “self-study”, 100% of a Texas adjuster’s CE requirement may be done online.
11. What are the Final Examination Requirements?
Online “Classroom Equivalent” Courses do not require a final examination. However, they do contain several interactive inquiry periods throughout the course which consist of five multiple choice questions in which the student must score a 70% or higher to advance to the next Chapter. During the inquiry periods, licensees may use course materials or personal notes, but may not use another person's notes, answers, or otherwise receive assistance in answering the questions from another person. Students are allowed unlimited retakes if you don’t pass the first time.
12. Online “Self-Study” Courses: The TXDOI requires that all Self-Study courses must include a final examination for students to receive credit. Our exams consist of 10 multiple choice questions for each hour of credit the course if approved for. CE credits will only be allowed if the student receives a grade of 70% or higher. During the examination, licensees may use course materials or personal notes, but may not use another person's notes, answers, or otherwise receive assistance in answering the questions from another person. Students are allowed unlimited retakes if you do not pass the first time.
Neither the completion of “Classroom Equivalent” or “Self-Study” programs require a proctor.
13. How are my CE course completion reported to the TXDOI?
Reporting course completions is the CE provider’s responsibility. We will be notified immediately after you signoff and we will file your CE electronically with the Sircon.
14. Will I receive a Certificate of Completion from AE21 upon completing a course?
Yes. At the conclusion of the online course you will have an opportunity to print your Certificate of Completion.
15. Does the TXDOI provide online access to my license and CE status/transcript?
Texas adjusters can now view their current CE credits, update their e-mail address, request a letter of certification, renew or apply for their license and find their Texas license number or National Producer number at "Agent/Adjuster Electronic Licensing Services" link. Agent/adjusters can also activate a free ProducerEDGE account allowing them to manage their licenses with ease.
16. What if the FAQ’s do not address my question/issue?
The TXDOI provides an FAQ link that covers additional information @ http://www.tdi.texas.gov/licensing/agent/agfaq.html
If you still have a question, feel free to call us at 1-855-985-2672 or 1-800-820-4550. If we can’t answer your question we will refer you to someone who can.
17. How can I contact the Texas Department of Insurance (TXDOI)?
TXDOI Phone#: 512-322-3503
TXDOI Website: www.tdi.texas.gov
TXDOI Agent/Adjuster Email: License@tdi.state.tx.us
TXDOI Contact Information: www.tdi.texas.gov/webinfo/contactus.html
18. TXDOI Mailing Address Texas Department of Insurance:
Agent and Adjusting Licensing
Mail Code 107-1A
Austin, TX 78711-2069
Complete curriculums are available for adjusters and others who wish to become familiar with the fundamentals of insurance and loss adjusting practice. Available programs include:
1. Do the claims training courses come with continuing education (CE) credit?
No. These courses are specifically designed for non-licensees, for those living in jurisdictions that do not require CE, or have been specially-designed to offer more effective learning opportunities without the restrictions often placed upon providers by state regulations.