Who Am I?
Originally from Florida, Krysten Barber-Morris earned her Master of Science graduate degree in Health Law with a dual degree and Risk Management from Nova Southeastern University.
I moved to Dallas Texas in 2012 and worked for CVS Health corporation as an Account Manager. With over 18 years of experience in life, health and pharmacy benefit insurance, Krysten has helped countless clients find plans that fit their lifestyles and give them peace of mind. Although successful in her health insurance career she was not fulfilled.
In 2017 she was introduced to the insurance claim adjuster industry. All it took was 40 hours of studying $500.00 and faith the size of a mustard seed in order for her to take her career to the next level.
As an insurance claim adjuster, Krysten excels at helping insureds become whole again after life-changing events such as car accidents or a devastating weather catastrophe. Krysten prides herself in helping people navigate tricky policies and ensure that one's insurance company pays for any losses suffered.
Krysten resides in Atlanta Georgia with her husband Patrick and son Caden. In her spare time Krysten enjoys cooking, reading, casinos, spending time outdoors, and having friends and family over for cookouts and leisure get together.
Who’s ready?🙌🙌
I’m super excited for you! I want this course to be personable, so I can focus on all my mentees needs and wants!
Every 30 days I will be accepting 30 new students each month!
Don’t miss out on this once-in-a-lifetime opportunity!
What Will You Learn 🔥🔥🔥
- Verify that insurance claims adjusting is right for you.
- How to choose the type of Insurance Adjuster you will be.
- How to start the Pre-Licensing course.
- How to get you Insurance Adjuster License.
- How to obtain multiple state licenses.
- How to deal with Adjuster challenges.
- How to pass your state exam.
- How to learn the most essential skills.
- How to land your first insurance adjusting job.
- You get complete access to me for 30 days!
- Weekly Zooms and FaceTime calls (purchased separately)
- Private Facebook group-And more...
Testimonials
"Absolutely! I want to thank you for taking the time to push me in getting the Adjusters License and for sharing your knowledge. This program was well worth the money investment. It’s always hard for people to take that first step in changing career paths but once I finish out my current job I look forward to doing my first claim. Thanks for the help!
Best of luck out there."
Melvyn J.
It definitely took me some time to get all the way on board but once I successfully completed the class and received my license— I haven’t looked back since. This unexpected life and career change would not be possible without Krysten which is why I know for a fact Adjusting To 6-Figures is nothing less than pure GOLD."
Kacidy S.
More on what people are saying
"I met Krysten via a Mutual friend and we connect instantly. She would always tell me about the adjuster life and how I can make 6 figures. But I always had an excuse, I would say you know I am a corporate girl and I need my benefits for my daughters. And she would tell me that’s just an excuse because you can make the money to get the benefits you want. I decided to take the leap of faith and trust Krysten. I took the course after getting license I started working for an insurance company as an adjuster immediately. I make more money with them then I did my corporate job. Krysten you definitely helped me open my eyes and see past corporate America. Without her push I wouldn’t be in the adjuster world. The best part is I LOVE IT!!! I love it better then my corporate job!! Thank you for pushing me to move forward and see there is more then corporate America."
Sheneater R.
Frequently Asked Questions
How do I become a claims adjuster?
In most states, you need to be licensed to adjust claims. The process, steps, and fees vary a bit by state but generally follow the same pattern. Get your home state, or Designated Home State (DHS) license if you live in a non-licensing state. You need to take and pass your state adjuster exam, and submit a license application.
How much money does an insurance adjuster make?
The amount of money an adjuster makes is largely dependent on how efficient they are at their job. Independent adjusters are paid on a ‘fee schedule’ where they receive a percentage of each of the claims closed. The percentage offered can vary based on a few factors: how often they work, the employer, the adjuster’s experience level, and the demand for adjusters at any given time.
Large scale disasters, like hurricanes Harvey and Irma, can create competition for adjusters so IA firms will alter their pay percentages to try and attract the best workforce. During these periods, experienced adjusters can make $100,000 in just a few months. But remember, you are an independent contractor and these periods are not predictable or reliable. You need to know how to manage the booms and droughts to remain successful long term. The current average salary for an adjuster is roughly $63,000 but again, that varies. The top 10% of earners make closer to $100,000 annually, even in down years. Adjusters who won’t travel, get too picky with assignments, or only work a few months a year earn closer to $40,000.
What if my home state doesn’t license? What is a DHS license?
If you live in a non-licensing state, you should obtain a “Designated Home State” or DHS license. A DHS license basically works just like having your home state license and is vital if you want to work any claims outside of your non-licensing state. If you live in Kansas for example, you can adjust claims there without a license, but you can’t go work claims in Florida or Texas. While a host of different states offer a DHS license, we recommend obtaining the Florida 70-20 Nonresident DHS license. It offers great reciprocity and Florida has the quickest application turnaround time in the country.
States that do not currently license adjusters: Colorado, District of Columbia, Illinois, Iowa, Kansas, Maryland, Missouri, Nebraska, New Jersey, North Dakota, Ohio, Pennsylvania, South Dakota, Tennessee, Virginia, and Wisconsin.
What is reciprocity?
Reciprocity, or reciprocal licensing privileges, allows a licensed adjuster to obtain another state(s) license without having to pass that specific state’s exam. Thank goodness, right? Once you have your home state or DHS license, you can apply for other state licenses through reciprocity.
It’s not automatic – you will need to complete the required paperwork and submit the licensing fees but most licensing states are now reciprocal with each other. There are some caveats – New York, California and Hawaii do not reciprocate with any other state for example.
It’s also important to note that reciprocity doesn’t always go both ways. For example, New York doesn’t offer reciprocal licenses to licensed adjusters from any other state. However, there are plenty of states that will offer licensed New York adjusters a reciprocal license.
Is the insurance adjuster market already saturated?
The spike in insurance claims after a major storm means that it will be very hard to fill every spot needed to meet the demand. Remember, insurers are on a strict time table when it comes to claims. They still have to contact, inspect, settle, and pay claims within a certain time period or face financial penalties and potential public relations issues if they can’t meet their policy obligations.
And when a mass of adjusters are deployed to an area to handle disaster claims, they leave open jobs all over the country where daily claims or smaller storm claims still need to be handled. Hurricane Harvey was a good example of this. As thousands and thousands of adjusters were deployed to Texas and Louisiana, there were far too few adjusters left to handle claims elsewhere. Our IA firm partners were reaching out to us not for help with Harvey, but because they had no adjusters left to handle claims in places like New York, Oklahoma, and Michigan.
And while there is a large number of licensed adjusters out there, but many do not use their license all year, some only work certain areas or claims, and some never use it at all. And every year adjuster licenses aren’t renewed for a number of reasons. It’s also important to note that the insurance industry is losing employees from every department at record numbers as baby boomers, who make up most of the industry, are retiring.
Why are insurance adjusters needed?
Insurance adjusters are needed because settling most types of insurance claims requires human judgment. Every claim is unique in its own way. While we have seen technology change the claims industry – call centers, computers, AI, and bots can’t interpret the subtleties of every home, car, flood, fire, burglary, storm, etc. the way a claims adjuster can. Field adjusters are required to use their senses, intelligence, training, and experience to interpret the insurance claims so both the customer and the insurance carrier receive a fair outcome.
What is the difference between an independent adjuster and a staff adjuster?
Independent Adjusters generally work for Independent Adjusting Firms. They go wherever they are needed on a contracted basis. You may get ‘deployed’ for a month to a disaster zone, then have that contract re-upped multiple times and end up staying for 8 months. Where an independent adjuster lives really has no bearing on where he works – which can be a great benefit as you can live where you want rather than where the jobs are. An adjuster may live in Iowa, contract with an Independent Adjusting Firm in Texas, and get deployed to Florida to work claims. As contractors, independent adjusters work for themselves and can take deployments when and where they want. But the most successful adjusters gain the trust of their IA Firm employers by being willing to go when and where they are needed most at any given time.
Staff Adjusters are salaried employees of the insurance carrier. While they may still travel, it is usually much less frequent and only within a specific region. Staff adjusters have steady, reliable work from their carrier which is great for those who may need to stay close to home. But there is an exchange for this benefit as compensation is usually lower than what independent adjusters receive.