Florida insurance adjuster license

How to get licensed in Florida, step by step

1. Confirm the license type. Florida issues the 6-20 Resident All-Lines Adjuster license (All lines (property, casualty, workers' compensation, etc.); used as an independent adjuster, company employee adjuster or public adjuster apprentice depending on appointment).
2. Pass the state exam (InsFL-ALJ16). It is given by Pearson VUE: 100 questions in 120 minutes, passing score 70%, fee $44. Some applicants can skip it (see exemptions below). Practice first with our Florida 6-20 All-Lines Adjuster practice test.
3. Submit fingerprints for the criminal background check if your application type requires them (see fees below).
4. Apply for the license with the Florida Department of Financial Services (DFS), Division of Insurance Agent & Agency Services and pay the $55 license fee.
5. Keep it active. Complete 24 hours of continuing education, including 4 hours of ethics, every 2 years and renew on time (license term: No fixed expiration while appointed: appointments renew biennially, and the license expires if unappointed for 48 months (F).

Florida adjuster license types

The Florida adjuster exam

Take the free Florida 6-20 All-Lines Adjuster practice test

License fees

• Resident license: $55
• Nonresident license: $55
• Fingerprinting: about $49.50

License application $50 plus $5 license ID fee (nonrefundable; military members, spouses and honorably discharged veterans are exempt from the application fee). Fingerprints cost $49.50 through IdentoGO/Idemia ($24 FDLE + $12 FBI + $13.50 vendor; local sales tax may apply). The appointment fee is $60, original and each biennial renewal (F.S. 624.501(12)), and nonresident adjusters pay no county fee. Exam $44 is paid to Pearson VUE (scored exam is 100 questions plus 10 pretest). Emergency adjuster license/appointment fee is $10.

License term: No fixed expiration while appointed: appointments renew biennially, and the license expires if unappointed for 48 months (F.S. 626.431(3)). CE is due every 2 years by the end of the birth month.

Continuing education

Florida adjusters need 24 hours of continuing education, including 4 hours of ethics, every 2 years (due by end of birth month). Nonresidents who meet their home state requirement are generally exempt.

6-20, 5-20 and 70-20 adjusters need the 4-hour Law & Ethics Update for adjusters (course authority 5-620) plus 20 elective hours (F.S. 626.2815). Nonresident 7-20 adjusters are exempt if they complete CE in a state marked as CE-reciprocal on DFS's list. 70-20 DHS holders must always complete Florida CE.

Nonresident adjusters, reciprocity and DHS

7-20 Non-Resident All-Lines Adjuster: no exam if the applicant holds a company or independent adjuster license (resident or nonresident) from a state Florida reciprocates with, per DFS's reciprocity list. Otherwise the exam is waived by an approved designation, insurance degree or General Lines license, or the applicant takes the Florida exam. Per NIPR, a DHS from AL, AK, AR, GA, IN, KY, LA, MN, MS, MT, NH, NC, OK, TX, UT or WY is accepted when the applicant holds no resident adjuster license. Fingerprints are required unless submitted within the prior 12 months (48 months for current licensees), per NIPR.

Designated home state license: Yes: the 70-20 Designated Home State Adjuster License is for residents of states that do not license adjusters, and for company adjusters living in states that license only independent adjusters. Applicants must hold no resident or other DHS adjuster license and must pass the Florida All Lines Adjuster exam or hold a DFS-approved designation. They are fingerprinted, appointed like residents and must complete Florida's 24-hour biennial CE.

See every state's rules side by side on the adjuster license reciprocity map.

Emergency and catastrophe adjusters

0-70 Emergency Adjuster license (F.S. 626.874). In a catastrophe or emergency, DFS may license residents or nonresidents age 18+ who are designated and certified as qualified by an authorized insurer, or by a licensed independent adjusting firm contracted with one, for the purposes and period DFS sets. Fee is $10 (F.S. 624.501(12)(c)), and the application is filed through DFS MyProfile.

Public adjusters in Florida

Separate license: 3-20 Resident Public Adjuster, 73-20 Nonresident, and 31-20 Public Adjuster Apprentice appointment. The 3-20 requires 6 months of prior work as a public adjuster apprentice, independent adjuster or company employee adjuster. It also requires the state exam (FLA Public All Lines Adjuster, InsFL-PubAdj20, 100 scored questions, 2 hours) and a $50,000 surety bond. CE is 24 hours per biennium (4-hour 5-320 update plus 20 electives from approved PA/adjuster course authorities).

Insurance adjuster salary in Florida

Adjuster license requirements in other states

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