The Difference Between a Certified Adjuster Designation & ACA
- Individual states regulate the licensing of claims adjusters. Most states, but not all, require that adjusters pass an exam and obtain a license. Some states recognize specific certifications, or other such pre-licensing courses, designed for adjusters as a possible alternative for taking the state’s exam. The state’s insurance board is responsible for reviewing and approving vendor training programs that meet those requirements. The state of Florida recognizes two similar training programs. One such course offers students the Accredited Claims Adjuster designation upon successfully passing the course and exam.
- Polk State College in Winter Haven, Florida offers an online-accredited claims adjuster course. Upon completing the 40-hour course and passing an online examination, the student earns an ACA designation. Included in the course curriculum are segments on liability, workers’ compensation and various lines of insurance such as automobile, marine, commercial, flood and aviation. Students also learn negotiating skills and the importance of ethics in the insurance industry. In some states, such as Florida, an adjuster holding an ACA designation may be exempt from taking state exams to obtain specific licensing to work in private industry.
- Several vendors offer a Certified Adjuster program. The Florida Department of Financial Services approved this course. Adjusters who pass the course and obtain the CA designation need not take the state exam for licensing purposes. Students enrolled in this program learn the basic insurance fundamentals necessary to obtain a license and gain employment as a claims adjuster. )
- Adjusters who desire employment in public administration must take a state licensing test regardless of any pre-licensing education. Certifications are available for adjusters working in the public sector. The National Association of Public Insurance Adjusters offers two certifications. Prior to testing with NAPIA, adjusters must meet experience and educational requirements. A minimum of five years experience in a full-time adjuster’s positions is necessary to sit for the Certified Professional Public Adjuster exam. The more advanced certification, a Senior Professional Public Adjuster designation requires 10 years of experience in the field.
