Career roadmap
How to Become a Claims Adjuster
The education, training, certifications and steps it takes to start working as a claims adjuster, plus how long it takes and where the career can lead.
To become a claims adjuster: (1) choose a path, (2) get licensed, (3) learn estimating software, (4) get hired, (5) advance. Most people need about 3–12 months. BLS lists “high school diploma or equivalent” as the typical entry-level education.
5 steps to become a claims adjuster
Choose a path
Staff, independent, desk or field adjusting.
Get licensed
Complete pre-licensing training and pass your state exam.
Learn estimating software
Get trained and certified in Xactimate.
Get hired
Insurers and independent adjusting firms hire trainees.
Advance
Handle complex claims, become a supervisor or specialize in catastrophe work.
Education and training requirements
A high school diploma is the minimum, and many employers prefer a degree. Most states require an adjuster license, earned through pre-licensing coursework and an exam. Employers provide extensive on-the-job training.
| Typical entry-level education (BLS) | High school diploma or equivalent |
|---|---|
| Related work experience | None |
| On-the-job training | Long-term on-the-job training |
| Typical training time | 3–12 months |
Certifications and licenses
- State adjuster license: Required in most states to adjust claims.
- Xactimate certification: Certification in property estimating software.
- Associate in Claims (AIC): A professional designation from The Institutes.
- HAAG Certified Inspector: Roof and damage inspection credential.
Skills to build now
Start with policy interpretation, damage estimating, and xactimate, and practice empathy and objectivity. Learning the claims adjuster vocabulary early makes training and interviews easier.
Where the career can lead
- Claims Trainee: Learn policies and estimating.
- Claims Adjuster: Handle claims independently.
- Senior or Complex Claims Adjuster: Handle large or complex losses.
- Claims Supervisor or Manager: Lead teams of adjusters.
Get a head start
Our self-paced Claims Adjuster training gives you a realistic, practical overview of the job (duties, terminology, step-by-step tasks, safety and interview prep) so you can decide with confidence and show employers you’re serious.
Common questions about getting started
How long does it take to become a claims adjuster?
Most people need about 3–12 months of training. A high school diploma is the minimum, and many employers prefer a degree. Most states require an adjuster license, earned through pre-licensing coursework and an exam. Employers provide extensive on-the-job training.
Do you need a degree to be a claims adjuster?
No four-year degree is typically required. BLS lists “high school diploma or equivalent” as the typical entry-level education, plus long-term on-the-job training.
What certifications are available for claims adjusters?
Common credentials include State adjuster license, Xactimate certification, Associate in Claims (AIC), and HAAG Certified Inspector. Most states require insurance adjusters to be licensed. Requirements usually include pre-licensing education, an exam and continuing education. Adjusters working in multiple states often hold several licenses.
Sources
- U.S. Bureau of Labor Statistics, BLS Occupational Employment and Wage Statistics (OEWS), May 2025, SOC 13-1031 (Claims adjusters, examiners, and investigators).
- U.S. Bureau of Labor Statistics, BLS Employment Projections, Table 1.2 (2025–35).
- O*NET OnLine summary for Claims adjusters, examiners, and investigators (U.S. Department of Labor).
- BLS Occupational Outlook Handbook.
Reviewed by the Career Education Institute Curriculum Team. Pay figures are national estimates; local pay varies. See our editorial policy.