Claims adjuster training software for carriers and adjusting firms
Run new-adjuster academies, prove state anti-fraud training and test competence with records ready for a regulator's request, in one platform built for carriers, IA firms and TPAs.
The best claims adjuster training software runs a new-adjuster academy, proves state anti-fraud training and tests competence with records you can hand to a regulator. LMS Advisor is our top pick for carriers, independent adjusting firms and TPAs: cohort courses with live classes and attendance, interactive video on inspections, proctored module tests, and anti-fraud courses with due dates, overdue reports and expiring certificates.
This guide is for claims training managers, claims quality leaders and SIU managers at P&C and workers' compensation carriers, IA firms with CAT rosters and third-party administrators. It covers what a claims academy has to deliver, the anti-fraud training rules in California, New Jersey, Florida and New York, how to test adjusters in a way that holds up, and where a general LMS stops and your claims and estimating tools take over. LMS Advisor is our platform, so read our ranking with that in mind. We have built, fixed and migrated LMS platforms for years. For the wider insurance picture, start with our insurance LMS guide.
What does claims adjuster training need to cover?
Claims training has four jobs, and most platforms handle one or two of them well.
Licensing within weeks of hire
Carriers hire adjusters in classes and license them fast. An Allstate new-grad inside property adjuster posting (viewed September 2026) says "Virtual Training will last 11 weeks" and "Licensing will be obtained during weeks 2 and 3 of onboarding (Licensing must be obtained within 45-60 days)." It is an industry example of how a large carrier structures an academy. Allstate is not an LMS Advisor customer and the posting names no platform. Licensing prep sits inside the academy with a hard deadline, and systems training runs around it.
Replacement hiring keeps those academies running. The BLS Occupational Outlook Handbook counts about 389,700 claims adjusters, appraisers, examiners and investigators in 2025 and projects a 6% decline from 2025 to 2035, yet still about 21,600 openings a year. BLS also notes that "Entry-level claims adjusters ... work on small claims under the supervision of an experienced worker," which is exactly the stage an academy is meant to shorten.
Claims handling, coverage and customer skills
This is your own material: coverage interpretation, reserving, letters, recorded statements and the policyholder calls that go sideways. No vendor sells it, because it depends on your forms, authority levels and systems.
Estimating software and field inspections
Property adjusters also need estimating skills. Verisk's Xactimate training page says "Xactimate training is available online or in-person," with virtual classes in the morning, afternoon and evening, and credentials such as Xactimate User Certification. It teaches the software, not your inspection standards, so most claims organizations run both.
State anti-fraud training and adjuster CE
Two regulatory tracks sit on top. Insurers owe anti-fraud training to claims and SIU staff (next section), and licensed adjusters owe continuing education. In Texas, TDI's all-lines adjuster renewal page requires "24 hours of continuing education every two years," with three hours in ethics or consumer protection and at least 12 hours in classroom or classroom equivalent courses. In Florida, Fla. Stat. 626.2815 requires a 4-hour update course every two years plus 20 hours of electives (fewer for long-licensed adjusters), from department-approved courses. A 2018 NICB state mandated training guide (dated, so check each state) listed roughly a dozen states with adjuster CE requirements and "strongly suggests each company maintain training records on an individual basis."
How do you build a new adjuster onboarding academy?
A claims academy is a cohort program, not a video library.
Cohorts, live classes and attendance
Put each hiring class in its own group and give it a course whose content is released on a drip schedule (days after enrollment), so week 4 content does not appear on day one. Live instruction runs through the virtual classroom on Zoom or Google Meet, with attendance taken by hand or by QR check-in when a class meets in person. Sequential progression and required blocks stop a trainee from skipping the coverage module to reach the fun part.
Interactive video and recorded ride-alongs
Film an inspection or a recorded statement, then add timestamped questions, chapters and overlay notes with interactive video. Rewind-on-wrong sends a trainee back to the moment they missed, such as the hail pattern on the ridge cap. For your claims and estimating systems, the Recording Studio captures screen, camera or both, so a senior adjuster can record a first-notice-of-loss walkthrough in an afternoon.
Image hotspot questions on damage photos
Image hotspot questions ask the trainee to click the evidence on a photo: the wind-lifted shingle, the water line on drywall, the frame damage behind a bumper. Build them in the question bank for module tests.
Licensing prep inside the academy
If your new hires license through a state course, put your prep lessons in the first weeks of the academy course and turn on sequential progression so later sections wait. LMS Advisor does not lock one course behind another, so track a separate licensing course with its own due date. Carriers that license through a Texas-certified course can read our guide for a Texas adjuster prelicensing course provider, which covers TDI's exam and proctoring rules.
What anti-fraud training must claims and SIU staff complete?
Several states write anti-fraud training into regulation, and they differ on who, how many hours and what records. Four examples, as of September 2026:
| State | New hires | Ongoing | Records |
|---|---|---|---|
| California | Anti-fraud orientation within 90 days | Annual in-service for integral anti-fraud personnel, at least 5 hours a year for SIU | Prepared at the time of training, with instructor, length, materials and participant job titles |
| New Jersey | Within 180 days: 9 classroom hours for SIU, 4.5 hours for adjusters, claims processors and underwriters | 9 hours a year for SIU, 2 hours a year for claims and underwriting | No record list in 6.5; delivery may be computer based |
| Florida | At least 2 hours of initial training for anti-fraud unit staff | A 1-hour course each year on detection, referral, investigation and reporting | Anti-fraud plan must describe the training |
| New York | Described in the fraud prevention plan | Plan states course descriptions, hours and frequency | Reviewed for reasonableness, no set curriculum |
New hire orientation windows
10 CCR 2698.39 says "All newly-hired employees shall receive an anti-fraud orientation within ninety (90) days." N.J.A.C. 11:16-6.5 gives 180 days from the start of work as an underwriter, adjuster, claims processor or SIU member, and excepts small auto insurers (under 2,500 New Jersey policies) and health insurers under 10,000 lives. Operating in both? Use the 90-day window for everyone.
Annual in-service for claims and underwriting
New Jersey requires "no less than two hours per year" for claims and underwriting staff. In New York, DFS OGC Opinion 05-11-16 (2005) explains that fraud prevention plans must describe in-service training, including "course descriptions, the approximate number of hours to be devoted to these sessions, and their frequency," for insurers writing auto, workers' compensation or accident and health with 3,000 or more policies. The Department "has not established a set of specific substantive guidelines," so your plan is what you get measured against.
SIU hour minimums
California SIU staff need "at least five (5) hours of continuing anti-fraud training per calendar year." New Jersey SIU staff need nine hours a year. Fla. Stat. 626.9891 requires at least 2 hours of initial anti-fraud training for anti-fraud investigative unit staff, then "a 1-hour course that addresses detection, referral, investigation, and reporting of possible fraudulent insurance acts" every year.
Records the department asks for
California is the most specific. Records "shall be prepared at the time training is provided" and include the title and date, the instructor's name, title and contact information, course materials or a description, the length, and the names and job titles of participants. The California Department of Insurance SIU training compliance material says records must be "kept and provided to the CDI upon request," and that CDI analyzes SIU Annual Reports from roughly 1,200 insurers with desk audits. Our post on insurance anti-fraud training requirements by state goes state by state, and our table of training records retention requirements helps you set how long to keep them.
How do you test adjusters in a way you can defend?
A claims test result gets challenged by a trainee who failed and by a QA reviewer asking why someone marked competent mishandled a file.
Module tests versus certification exams
Knowledge checks belong inside the course. Gate decisions (release to a desk, authority increase, CAT deployment) belong in the standalone Test Center, built from question pools with difficulty levels. Ask us how pools vary the questions between trainees. Candidates can be invited by email and do not need a course enrollment, which suits IA firms testing contract adjusters before a deployment.
Proctoring settings for high-stakes tests
For a test that changes someone's authority, turn on native online proctoring for that exam: periodic webcam snapshots, AI face monitoring for no face or a second face, fullscreen lockdown, blocked and logged copy/paste, right-click and tab switching, ID photo capture, single-session and device lock and an honesty pledge. Set violation limits you would be willing to explain, and leave most of it off for low-stakes quizzes. There is no live remote proctor or room-scan video.
Evidence trail for disputes and QA
Each proctored attempt keeps an evidence trail a reviewer can open when a result is disputed. Written scenario answers need care: essay and file-upload items in an exam are screening items and do not count toward the score, so use them for a supervisor's judgment and score the gate on objective items. For written assignments inside the academy, such as a coverage position letter, AI-assisted rubric grading suggests a score and the instructor approves it.
Can field and CAT adjusters train from a phone?
Mostly, yes. LMS Advisor has an iOS and Android app, and adjusters can log in with a one-time code by SMS or WhatsApp, which helps contract adjusters who never got a corporate email. Pre-deployment refreshers, such as a carrier's guidelines for a hurricane event, work well as a short interactive module assigned to the CAT group. Interactive modules play in the app but need a connection, as do quizzes and exams, so adjusters should finish those before they travel. Video, audio and document lessons can be saved in the app and opened in a storm zone with no signal. The mobile app page lists what the app does.
Which claims training academy platforms should you compare?
Facts come from each vendor's public pages as of September 2026. Some options are schools or credential bodies that claims teams use alongside an LMS.
| Option | What it is | Academy courses and live classes | Proctored tests | Anti-fraud course records | Best for |
|---|---|---|---|---|---|
| LMS Advisor (our platform, top pick) | LMS and Test Center, cloud or self-hosted | Yes, with attendance and interactive video | Native, set per exam | Due dates, overdue reports, expiring course certificates | Carriers, IA firms and TPAs running their own academy |
| C2Perform | LMS, QA and coaching | Learning management module | Not stated | Not stated | Claims QA and coaching tied to training |
| The Institutes | Designations and corporate accounts | AIC online courses | Virtual exams in testing windows | Not stated | Industry designations for staff |
| Verisk Xactimate training | Software training and certification | Estimating classes online or in person | Certification, format not stated | No | Estimating skills |
| AdjusterPro | Licensing and CE school | Licensing and CE courses | Online proctoring via ProctorFree (2020 post) | No | Individual licensing |
| Docebo | Enterprise LMS | Yes | Not stated on the page we checked | Not stated | Large financial groups with many portals |
LMS Advisor: best overall for claims academies
It puts the academy, anti-fraud courses and proctored gate tests in one system, with self-hosting for claims organizations that want training data on their own servers. It is not a claims, estimating or QA system.
C2Perform: best for QA-led coaching
C2Perform lists Knowledge Management, Dynamic Coaching, Connected Quality Assurance and Learning Management modules and serves "claims organizations, underwriting teams" among others. It also publishes its own 2026 best LMS for insurance claims adjusters list, which features C2Perform alongside Docebo, Absorb, TalentLMS, Cornerstone and Litmos. If file review scoring is your main need, look at it seriously.
The Institutes: best for designations
The Institutes' AIC page describes "3 courses, plus ethics," "100% online courses" and "Virtual exams for all courses" of 50 questions in 65 minutes. Corporate accounts add employee tracking and centralized billing. Use it for designations and your LMS for your own procedures.
Xactimate training and AdjusterPro: specialist complements
Xactimate training covers the estimating software. AdjusterPro sells licensing courses such as a Texas all-lines 40-hour course, plus CE. Both sit beside a claims LMS.
Docebo: best for large multi-portal programs
Docebo's financial services page says it "automates administrative tasks across users, content, and versions," supports several branded domains from one system and lists security attestations and pre-built SSO connectors. It suits groups running many separate academies with admin staff for an enterprise suite.
What does a carrier, IA firm or TPA need?
Carrier claims academy
A carrier needs cohorts, a licensing deadline inside the academy, manager views for team leads and anti-fraud records for every claims employee. Branches map to regions, and SCIM provisioning creates and removes accounts from your identity provider.
Independent adjusting firm with a CAT roster
Contract adjusters come and go with storm season. Phone login, email-invited Test Center exams and short carrier-specific refreshers matter more than a long academy.
TPA with client-specific procedures
A TPA handles claims under each client's guidelines. Create an organization per client so each client's procedures course, test results and completion reports stay separate, and give each client manager a view of their own adjusters only. Our insurance agent training software guide uses the same structure for agencies and IMOs.
How to run claims adjuster training in LMS Advisor
- Map your roles. Create groups for desk, field, CAT, SIU and supervisors, and branches or organizations for regions or TPA clients.
- Build the academy course. Order sections by week, set drip release and sequential progression, and add lesson minimum time where you need proof of time spent.
- Schedule live classes. Add Zoom or Google Meet sessions and record attendance, with QR check-in for classroom days.
- Record your systems. Use the Recording Studio for claims and estimating system walkthroughs and add interactive questions to inspection videos.
- Write the tests. Load pools by topic and difficulty, including image hotspot items on damage photos, and set pass marks for each gate exam in the Test Center.
- Turn on proctoring where it counts. Use it for authority and deployment gates, not for every quiz.
- Set up anti-fraud courses. Put the instructor's name, title and contact details and the course length in the course description, assign orientation to new hires with a due date inside your strictest state window and mark it mandatory.
- Certify and renew. Issue course certificates with a 12-month validity for annual in-service training, with the certificate-expiring email rule as the nudge. See certificates and compliance.
- Report. Pull overdue reports and export the completion and attendance report views to CSV or Excel when a department asks for records.
Want to see a claims cohort, a hotspot question on a damage photo and the overdue report for an anti-fraud course? Book a demo with our team.
Implementation checklist for a claims training program
- List state licensing deadlines for new hires and who owns adjuster CE.
- List every state you write in and its anti-fraud hours and windows.
- Check that your export carries participant job titles, or add them from your HR file.
- Decide retention periods and ask us which events the audit logs capture.
A realistic plan: in the first 30 days, build the anti-fraud courses and load your user groups, because those carry regulatory dates. By day 60, run one academy cohort's first four weeks and the first gate test. By day 90, add CAT refreshers, client organizations if you are a TPA, and a quarterly reporting routine that your compliance team signs off.
Where LMS Advisor is not the right tool
- Not a claims, estimating or QA system. Keep Xactimate, your claims platform and any call or file scoring tool. Connect them through the REST API and webhooks if you need training data elsewhere.
- No adjuster CE tracking by state. LMS Advisor does not track CE credits across providers or report to any insurance department, NIPR or Sircon.
- No claims content. There is no bundled claims curriculum, AIC or Xactimate course. AI drafting tools help, and AI drafts are never published automatically.
- Offline is limited to saved lessons. CAT adjusters can keep video, audio and document lessons on the phone, but interactive modules, quizzes and exams need a connection.
- No skills matrix. Competence is shown through test results and certificates, not a competency framework.
- No room scan or live proctor. Use a supervised room for exams that need a person watching.
- Anti-fraud record layout needs setup. Instructor details and job titles come from how you configure courses and user data. Confirm the export matches your state's list before an exam, and confirm certificate fields in a demo.
Frequently asked questions
What is the best training software for claims adjusters?
LMS Advisor is our pick for carriers, IA firms and TPAs that run their own academy. It combines cohort courses with live classes, interactive video, proctored gate tests and anti-fraud courses with due dates and expiring certificates. Pair it with Xactimate training for estimating and a QA tool if you score claim files.
How long does new claims adjuster training take?
It varies by carrier and line. One public 2026 Allstate new-grad posting describes 11 weeks of virtual training with licensing in weeks 2 and 3. Desk roles on simple claims often move faster than field property roles.
Which states require anti-fraud training for claims staff?
California, New Jersey, Florida and New York are four clear examples. California requires orientation within 90 days and 5 SIU hours a year, New Jersey sets hours for claims and SIU staff, Florida sets initial and annual hours for SIU staff and New York reviews training described in fraud prevention plans. Check every state you write business in.
Can LMS Advisor track adjuster CE hours for Texas or Florida?
No. It records completions, attendance and certificates for the courses you run, but it is not a CE credit ledger and does not report to TDI, Florida's department or Sircon. Use your licensing vendor or a CE tracking tool for that.
Can field adjusters train on their phones?
Yes, through the iOS and Android app and one-time code login by SMS or WhatsApp. Adjusters can save video, audio and document lessons for the field, and need a connection for quizzes, exams and interactive modules.
Does LMS Advisor include Xactimate or AIC courses?
No. Xactimate training comes from Verisk and the AIC designation from The Institutes. LMS Advisor hosts your own claims procedures, anti-fraud and academy content.
Planning your next adjuster class? Request a demo and bring one module you want to rebuild.
