Victor Waite | January 20, 2026 | Personal Injury
Becoming a licensed insurance adjuster in Florida opens the door to a career helping policyholders and insurers assess claims following accidents, storms, and other covered events. Florida’s Department of Financial Services oversees adjuster licensing and has specific requirements that candidates must meet. Here’s everything Delray Beach residents and others interested in this career path need to know about obtaining a license.
Types of Adjuster Licenses in Florida
Florida Statute Chapter 626, Part VI (Insurance Adjusters) establishes the rules for adjuster licensing and regulation. The primary licensing provisions are codified in §626.864 among other sections. A qualified individual may be licensed as either a public adjuster or an all-lines adjuster, but not at the same time.
All-Lines Adjuster License
An all-lines adjuster is someone who assesses an insurance claim for loss or damage. An all-lines adjuster can be self-employed or employed by an insurance company. They work for money, commissions, or other forms of compensation. They work on behalf of an insurer.
An independent adjuster can work for multiple insurance companies simultaneously by being self-employed or working for an independent adjusting firm. All-lines adjusters may be employed by an insurance company. They exclusively work for their employer.
Public Adjuster License
A public adjuster represents insured or third-party claimants in insurance cases. They directly or indirectly prepare, complete, and/or file insurance claims to aid these parties in effecting insurance settlements. A person cannot hold both a public and an all-lines license to prevent conflicts of interest.
Pre-Licensing Education Requirements
Applicants for a public adjuster license must have prerequisite experience.
The applicant must either:
- Have been licensed and appointed in Florida as a nonresident public adjuster continuously for six months or more; OR,
- Been licensed as an all-lines adjuster and continuously appointed for the past six months as a public adjuster apprentice, an independent adjuster, or a company employee adjuster.
The pre-licensing education requirements for all-lines adjusters differ. There are five pathways an applicant can follow:
Approved Designation Course
Section 626.221(j) establishes the most widely used educational pathway. The statute provides that an applicant for an all-lines adjuster license is exempt from the state examination if they have received one of the specified designations from approved course providers.
Self-Study Alternative
The Florida Department of Financial Services publishes and makes available an official Florida Adjuster Study Manual, which must be purchased separately by the applicant. After the applicant’s license application is approved, they schedule a time to take the adjuster examination at an approved test center.
Insurance Degree
Section 626.221(i) establishes that an applicant for an all-lines adjuster license is exempt from examination if they hold “a degree in insurance from an accredited institution of higher learning approved by the department”. This pathway recognizes college-level insurance education as meeting competency requirements.
The Florida Adjuster Licensing Exam
Pearson VUE administers the Florida adjuster licensing exam. The exam measures a person’s knowledge of casualty and property insurance principles.
The test consists of around 100–110 questions depending on the exam version that cover areas including:
- Casualty and liability insurance
- Property and liability concepts
- Contracts, law, and adjusting practices
- Health insurance
- Fire and allied lines, marine, and dwelling
- Motor vehicle physical damage and mechanical breakdown
- Residual markets
- Selected Florida statutes and rules
Individuals have 120 minutes to complete the exam. A passing score is 70% or higher. If a person fails the exam, Pearson VUE sets retake rules, which may include a waiting period.
Application Process and Fees
The application process begins by creating an online account through the Florida Department of Financial Services (DFS) MyProfile portal. The application and other steps are completed through the portal. The process includes a background check and fingerprinting.
The application fee is $55, plus additional costs for the state examination, License ID, fingerprinting, and appointment fee.
Maintaining Your Florida Adjuster License
Insurance adjusters must complete continuing education to maintain their license. Adjusters licensed for less than 6 years must complete 24 hours of continuing education every 2 years. Adjusters with 6 or more years of licensure must complete 20 hours of continuing education every 2 years.
Adjusters must also have an appointment to perform insurance adjuster services. An appointment is a formal contractual relationship between an adjuster and an insurance company or an independent adjusting firm.
Contact the Delray Beach Personal Injury Attorneys at The Injury Law Firm, PA for Help Today
Whether you’re pursuing a career as an adjuster or dealing with your own personal injury insurance claim after an accident in Delray Beach, FL, The Injury Law Firm, PA can help you understand the claims process and protect your rights when dealing with insurance companies. Call today to schedule a free consultation with an experienced Delray Beach personal injury lawyer.
The Injury Law Firm, PA.
301 W. Atlantic Ave, Suite O-1, Delray Beach, FL 33444
(561) 800-4357