Investigates claims, adjusts losses and negotiates settlements for an insurer in Oklahoma. One license carries both halves of the trade, the independent adjuster who sells the service and the company or staff adjuster on an insurer's payroll, and the applicant names the classes of business it is to cover.

Works for the policyholder rather than the insurer, for a fee out of the settlement. Oklahoma keeps it inside the same act as the insurer's adjuster and then fences it in three ways nothing else here carries at once: property claims only, a $25,000 bond, and a hard ceiling on what the adjuster may charge.