Investigates, negotiates or settles property, casualty or workers compensation claims in West Virginia as a staff employee of an insurance company, paid by the insurer. Three lines of authority, no pre-licensing course, and eight attempts at the examination in a lifetime.

Investigates, negotiates or settles property, casualty or workers compensation claims in West Virginia as an independent contractor, or an employee of one, contracting for compensation with insurers or self-insurers. Three lines of authority, no pre-licensing course, and eight attempts at the examination in a lifetime.

Acts for the insured rather than the insurer, on first party property claims only. West Virginia lets the same person hold this and a company or independent adjuster license at once, and then forbids using both on one claim.