How to Get an Insurance Adjuster License in Florida
If you've been searching "how do I get an insurance adjuster license," you're probably looking at Florida — one of the largest insurance markets in the country and a state that offers a single, versatile credential called the All Lines Adjuster license. This license qualifies you to adjust every line of insurance except life and annuities (Fla. Stat. §626.869), making it one of the most broadly useful adjuster credentials available.
Below is every step you need to take, from confirming you meet the basic qualifications to submitting your application to the Florida Department of Financial Services (DFS).
Step 1: Confirm You Meet the Eligibility Requirements
Before you register for anything, make sure you check every box the state requires. Under Florida law, the DFS will issue an all-lines adjuster license to an applicant who:
- Is at least 18 years old and a natural person (Fla. Stat. §626.866).
- Is a U.S. citizen or legal alien with work authorization from U.S. Citizenship and Immigration Services and a bona fide resident of Florida (Fla. Stat. §626.866).
- Is trustworthy and has a business reputation that would reasonably assure the public that the applicant will conduct business fairly and in good faith (Fla. Stat. §626.866).
- Has sufficient experience, training, or instruction concerning the adjusting of damage or loss under insurance contracts (other than life and annuity) to competently fulfill the duties of a licensed adjuster (Fla. Stat. §626.866).
There is no specific degree requirement. Many candidates satisfy the "training or instruction" element through a pre-licensing course, self-study, or prior industry experience. If you're coming in cold, a structured study program is the fastest way to build the knowledge the exam will test.
Step 2: Pass the Florida All Lines Adjuster Exam
Florida law is clear: the DFS may not issue an adjuster license to any individual who has not taken and passed the required written examination (Fla. Stat. §626.221). The exam scope is set by the department to test your "ability and competence and knowledge of the kinds of insurance and transactions to be handled under the license applied for" as well as your understanding of Florida law (Fla. Stat. §626.241).
Here's what the exam looks like in practice:
| Detail | Info |
|---|---|
| Administrator | Pearson VUE |
| Scored questions | 100 |
| Time limit | 120 minutes |
| Passing score | 70% |
| Exam fee | $44 |
What the Exam Covers
The 100 scored questions break down across seven content areas. Knowing the weight of each section lets you allocate study time wisely:
- Property and Liability Insurance Concepts, Insurance Contracts, and Law and Adjusting Practices — approximately 14 questions. This is your foundation: policy structure, insurable interest, indemnity, subrogation, and the claims process.
- Casualty/Liability Insurance — approximately 28 questions. The largest section. Expect questions on commercial general liability, professional liability, workers' compensation, and personal liability coverages.
- Motor Vehicle Physical Damage and Mechanical Breakdown Insurance — approximately 15 questions. Covers auto physical damage, collision, comprehensive, and mechanical breakdown policies.
- Fire and Allied Lines, Including Marine and Dwelling — approximately 28 questions. Tied for the heaviest section. Homeowners forms, commercial property, inland marine, ocean marine, and dwelling policies all appear here.
- Health Insurance — approximately 2 questions. A small slice, but don't skip it entirely.
- Residual Markets — approximately 2 questions. Think Citizens Property Insurance Corporation and the Florida Hurricane Catastrophe Fund.
- Selected Florida Statutes and Rules — approximately 11 questions. This is where your knowledge of the Florida Insurance Code is tested directly.
Because Casualty/Liability and Fire and Allied Lines together account for roughly 56 of the 100 questions, those two areas deserve the lion's share of your preparation time.
Step 3: Submit Your Application
Once you pass the exam, you need to file a written application with the DFS. The application must be made under oath, signed by the applicant, and accompanied by all applicable fees (Fla. Stat. §626.171). Florida accepts the uniform application for resident and nonresident agent and adjuster licensing, and you may permit a third party to complete and submit the application on your behalf — though you remain responsible for the accuracy of every statement on it (Fla. Stat. §626.171).
The department may also require supplemental certificates or affidavits from other persons to verify your residence, business reputation, and trustworthiness (Fla. Stat. §626.870).
Step 4: Maintain Your License with Continuing Education
Getting the license is not the finish line. Florida requires licensed adjusters to complete continuing education to keep their credentials active (Fla. Stat. §626.2815). The purpose of these requirements is to ensure that practicing adjusters stay current on evolving policy forms, claims practices, and changes to Florida law. Mark your renewal deadlines early so you're never caught off guard.