Are you interested in becoming a CAT adjuster? If so, you have more than likely started the process by researching state requirements for licensing. To your surprise you find out your home state does not require an adjuster’s license. “Should I still obtain a license? Will I look more professional with one? How will this benefit me?” Common questions that are passing through your mind as you embark on this journey. Let’s dive in and answer them.
Before you go any further, let’s see if this applies to you. Sixteen states (and one district) do not require an adjuster’s license:
- Colorado
- District of Columbia
- Illinois
- Iowa
- Kansas
- Maryland
- Massachusetts
- Missouri
- Nebraska
- New Jersey
- North Dakota
- Ohio
- Pennsylvania
- South Dakota
- Tennessee
- Virginia
- Wisconsin
So, you have confirmed you are in one of the seventeen listed areas that does not require an adjuster’s license. Even if you are not required to obtain a license, it would be in your best interest to do so. Many CAT adjusters are available for nationwide deployment. With a license, you show employers you have put in extra time and effort to become more knowledgeable of common practices and procedures, in addition to broadening the territory you are able to work. You have added an extra level of credibility to your expertise and are attempting to solidify your place in this career.
A designated Home State license, or DHS license, may be just what you’re looking for. The DHS license acts as a home state license and is required if you plan on working outside of your home state. For example, if you live in Missouri, you are not required to obtain a license to adjust in Missouri or other non-licensing states, however, you cannot travel out of state for a storm in Texas and work claims without first obtaining a Texas license.
Once you choose a state as your Designated Home State, complete any pre-licensing requirements, pass the exam, and receive license approval, you will then be licensed in that DHS and are able to obtain non-resident licenses for all reciprocating states. Texas and Florida are both commonly used as Designated Home States as they reciprocate with all states, including the 16 non-licensing states, except for California, Hawaii, and New York (New York does not grant reciprocity for any non-residents).
Becoming a CAT adjuster should not be a complicated process. With this information as your guide, you should now be more comfortable with your state licensing requirements, what a Designated Home State license is, and your best choices for a DHS license. Starting a career as a CAT adjuster is an exciting opportunity and in today’s ever evolving world, information is your most powerful tool. For more information regarding licensing click here.
