Want to Become a Public Adjuster? Here's How to Start the Right Way
Want to Become a Public Adjuster? Here's How to Start the Right Way
Have you ever wondered what a Public Adjuster (PA) really does — or whether it could be the right career for you?
At TrueHaven, we believe in doing more than adjusting claims. We advocate with integrity, educate with purpose, and guide people during one of the most difficult seasons of their lives. Becoming a Public Adjuster means stepping into that role — and it starts with the right foundation.
Let’s break down what it means to be a PA — and how to become one, the right way.
✅ What Does a Public Adjuster Do?
A Public Adjuster works for the policyholder, not the insurance company.
They represent homeowners, business owners, or property managers after they’ve suffered damage from storms, fire, water, or other covered events. A PA:
Inspects the property damage
Reviews the policy and determines coverage
Writes or reviews the damage estimate (often using Xactimate)
Communicates directly with the insurance company
Negotiates the best possible settlement for the client
While contractors, insurance adjusters, and engineers all play a role, the Public Adjuster is the one person entirely on the client’s side — making sure nothing is missed and the claim is handled fairly.
✅ How Do You Become a Public Adjuster?
The process varies slightly by state, but here’s the general path:
1. Meet the Basic Requirements
Be at least 18 years old
Pass a background check
Be a resident or non-resident (varies by state)
2. Study for the Exam
You'll need to understand:
Insurance policies and laws
Property damage and construction basics
Ethics, negotiation, and claim documentation
Some states (like Florida) require a pre-licensing course, while others allow self-study.
3. Pass the State Licensing Exam
Once you’re ready, you’ll schedule your state exam. You may also need to take a state-specific law test.
4. Secure a Surety Bond
This protects clients from fraud and is required in most states.
5. Complete an Apprenticeship (if required)
For example, Florida requires a 6-month apprenticeship under a licensed firm before you can get your full license. It's one of the most difficult states to become a PA.
6. Apply for Your License
After meeting all the criteria, you’ll submit your application through your state’s Department of Insurance or licensing system.
✅ What Makes TrueHaven Different?
Most adjusters get licensed… and then get lost.
At TrueHaven, we’ve built a system designed to help new and experienced adjusters succeed:
A clear path to earning more as you grow
Real mentorship — not just a login and a hope you figure it out
Company-provided resources: estimating, training, compliance
A team culture rooted in ethics, support, and professionalism
Whether you’re brand new or looking for a better place to grow, we believe in raising the standard of what it means to be a Public Adjuster.
💡 Is This Career Right for You?
You're likely a great fit if you're:
Detail-oriented and organized
Comfortable communicating with clients and carriers
Interested in real-world problem solving
Motivated to learn and grow
Looking for a meaningful career that helps people
You don’t need an insurance background — just the right mindset and the willingness to do the work the right way.
➡️ Ready to Explore the TrueHaven Way?
Visit our Careers Page to learn more about joining the team.
We’ll walk you through licensing, onboarding, and exactly what it’s like to become a Public Adjuster — the right way.