Every state has a different set of rules about how--or how not to--license adjusters. Acting or failing to act out of ignorance can cause all types of problems, including fines, suspension of claim adjusting functions, and lots of aggravation.

One claim manager said when he learned for the first time that adjusters in his newly formed national claim operation had to be licensed in 16 (soon to be 17) and comply with continuing-education requirements in seven.