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Florida Claims Adjuster — Requirements & Free Practice

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Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

70-20 Designated Home State Adjuster License

Designated home state adjuster license for eligible nonresidents.

Licensing authority: Florida Department of Financial Services · Application information

Renewal or continuation of appointment
No examination is required for this applicant pathway.
Continuing education
Satisfy applicable continuing education under F.S. 626.869 and 626.2815.
Examination discretion
F.S. 626.221(2)(a) expressly says an examination is not necessary unless the Department determines it necessary to establish competence or trustworthiness. This generic examination slot is an applicant condition; no separately named examination is identified for renewal.
Existing license
Existing license and appointment; biennial appointment renewal or continuation with applicable fees.

Official no-examination sources

Effective from 2026-09-22.

Initial licensure with an approved adjuster designation
No examination is required for this applicant pathway.
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Continuing education
Complete the Florida biennial continuing education requirement.
Designation
ACA, CALA, AIC, PCA, PPIA, CA, CCA, CACP, AICS, PIC, RCA, or UCC from the institution identified by F.S. 626.221(2)(j) and the Department instructions; provide the original designation letter. UCC applicants must also provide proof of precertification course and examination completion. These are designation/qualification conditions; the source does not name a separate current licensing examination.
Dhs eligibility
Resident of a jurisdiction not licensing the applicable adjusting activity; no valid resident adjuster license or designated-home-state license anywhere. Where the home jurisdiction licenses independent but not company adjusters, only a company adjuster appointment is available. Eligibility and exclusions are those in Step 2 of the pinned Florida DHS instructions.
Minimum age
Natural person at least 18 years old.
Residency
Nonresident of Florida.

Official no-examination sources

Effective from 2026-09-22.

Initial licensure with CPCU designation
No examination is required for this applicant pathway.
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Continuing education
Complete the Florida biennial continuing education requirement.
Department discretion
F.S. 626.221(2)(h) permits examination on pertinent code provisions; the implementing checklist states the applicant is exempt from the state examination. No separately identifiable code-only examination is specified.
Designation
Hold the CPCU designation from the named awarding institution and provide its letter.
Dhs eligibility
Resident of a jurisdiction not licensing the applicable adjusting activity; no valid resident adjuster license or designated-home-state license anywhere. Where the home jurisdiction licenses independent but not company adjusters, only a company adjuster appointment is available. Eligibility and exclusions are those in Step 2 of the pinned Florida DHS instructions.
Minimum age
Natural person at least 18 years old.
Residency
Nonresident of Florida.

Official no-examination sources

Effective from 2026-09-22.

Initial licensure by examination
Florida Adjuster’s All Lines Insurance
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Continuing education
Complete the Florida biennial continuing education requirement.
Dhs eligibility
Resident of a jurisdiction not licensing the applicable adjusting activity; no valid resident adjuster license or designated-home-state license anywhere. Where the home jurisdiction licenses independent but not company adjusters, only a company adjuster appointment is available. Eligibility and exclusions are those in Step 2 of the pinned Florida DHS instructions.
Exemption status
Does not qualify for an applicable statutory examination exemption.
Minimum age
Natural person at least 18 years old.
Residency
Nonresident of Florida.
Score currency
A passing score obtained within one year before application can satisfy the examination requirement; this does not remove the currently offered examination from this route.
New licensure after termination, cancellation, or expiration
Florida Adjuster’s All Lines Insurance
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Continuing education
Complete the Florida biennial continuing education requirement.
Dhs eligibility
Resident of a jurisdiction not licensing the applicable adjusting activity; no valid resident adjuster license or designated-home-state license anywhere. Where the home jurisdiction licenses independent but not company adjusters, only a company adjuster appointment is available. Eligibility and exclusions are those in Step 2 of the pinned Florida DHS instructions.
Minimum age
Natural person at least 18 years old.
New examination
Public adjuster applicants must pass a new public examination after approval regardless of prior passing; all-lines applicants are subject to the current licensing exam with any independently applicable statutory exemption.
Requalification
Qualify as a first-time applicant for the same license class; applicable initial qualifications and statutory exemptions apply.
Residency
Nonresident of Florida.
Revocation wait
For revocation, wait at least two years from effective revocation or final affirming court order, and remove the underlying circumstances.
Licensure by qualifying former Department employment
No examination is required for this applicant pathway.
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Continuing education
Complete the Florida biennial continuing education requirement.
Department employment
Within four years before application, full-time salaried Department employee with responsible insurance duties for two continuous years.
Dhs eligibility
Resident of a jurisdiction not licensing the applicable adjusting activity; no valid resident adjuster license or designated-home-state license anywhere. Where the home jurisdiction licenses independent but not company adjusters, only a company adjuster appointment is available. Eligibility and exclusions are those in Step 2 of the pinned Florida DHS instructions.
Minimum age
Natural person at least 18 years old.
Prior license
Held the same class of license within four years before Department employment.
Residency
Nonresident of Florida.

Official no-examination sources

Effective from 2026-09-22.

Reappointment after military service
No examination is required for this applicant pathway.
Appointment class
Same type/class formerly held, or the most closely resembling currently issued class.
Department discretion
Department may issue without a further written examination under F.S. 626.871.
Military service
Service did not exceed three years; apply and pay the fee within twelve months after honorable discharge.
Prior appointment
Held a current Florida adjuster appointment when entering United States Armed Forces service.

Official no-examination sources

Effective from 2026-09-22.

Discretionary probationary licensure
Florida Adjuster’s All Lines Insurance
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Continuing education
Complete the Florida biennial continuing education requirement.
Criminal history
F.S. 626.207(3)(b): felony outside the permanent bar and moral-turpitude category; serve at least half the seven-year disqualifying period and have no further guilty finding or plea during that time.
Department discretion
Department may grant probationary licensure for the remainder of the disqualifying period.
Dhs eligibility
Resident of a jurisdiction not licensing the applicable adjusting activity; no valid resident adjuster license or designated-home-state license anywhere. Where the home jurisdiction licenses independent but not company adjusters, only a company adjuster appointment is available. Eligibility and exclusions are those in Step 2 of the pinned Florida DHS instructions.
Financial obligations
Pay related fines, court costs, fees, and restitution.
Minimum age
Natural person at least 18 years old.
Ordinary qualifications
Satisfy the ordinary license qualifications and applicable examination requirements or exemptions.
Residency
Nonresident of Florida.
Reapplication within 48 months of prior appointment cancellation or expiration
No examination is required for this applicant pathway.
Application window
Apply for an all-lines adjuster license within 48 months after cancellation or expiration of the prior appointment.
Prior license
Previously licensed as an all-lines adjuster and appointed as an independent or company employee adjuster.

Official no-examination sources

Effective from 2026-09-22.

New licensure after revocation
Florida Adjuster’s All Lines Insurance
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Continuing education
Complete the Florida biennial continuing education requirement.
Dhs eligibility
Resident of a jurisdiction not licensing the applicable adjusting activity; no valid resident adjuster license or designated-home-state license anywhere. Where the home jurisdiction licenses independent but not company adjusters, only a company adjuster appointment is available. Eligibility and exclusions are those in Step 2 of the pinned Florida DHS instructions.
Minimum age
Natural person at least 18 years old.
New examination
Public adjuster applicants must pass a new public examination after approval regardless of prior passing; all-lines applicants are subject to the current licensing exam with any independently applicable statutory exemption.
Requalification
Qualify as a first-time applicant for the same license class; applicable initial qualifications and statutory exemptions apply.
Residency
Nonresident of Florida.
Revocation wait
For revocation, wait at least two years from effective revocation or final affirming court order, and remove the underlying circumstances.
Reinstatement after suspension
Florida Adjuster’s All Lines Insurance
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Continuing education
Complete the Florida biennial continuing education requirement.
Dhs eligibility
Resident of a jurisdiction not licensing the applicable adjusting activity; no valid resident adjuster license or designated-home-state license anywhere. Where the home jurisdiction licenses independent but not company adjusters, only a company adjuster appointment is available. Eligibility and exclusions are those in Step 2 of the pinned Florida DHS instructions.
Examination discretion
F.S. 626.281(3) permits requiring the all-lines licensing examination upon reinstatement; F.S. 626.221(2)(c) permits exemption for suspension within the preceding four years. The discretionary exemption is an applicant condition.
Minimum age
Natural person at least 18 years old.
Residency
Nonresident of Florida.
Suspension
Application for reinstatement after the suspension period; eliminate the circumstances underlying suspension; required continuing education following a second suspension.

0-70 Emergency Adjuster License

Activation is contingent on a Department-declared emergency; this credential is not continuously open for applications.

Licensing authority: Florida Department of Financial Services · Application information

Emergency issuance
No examination is required for this applicant pathway.
Activation
Available only after the Department determines an emergency exists and opens applications; the retrieved checklist states applications are not available at its snapshot date, which does not establish availability on the evaluation date.
Eligibility
At least 18, citizen or authorized legal alien, resident or nonresident; not already a Florida licensed company or independent adjuster.
Scope
Adjust losses from the specified emergency only; sponsor provides continuing supervision and appointment.
Sponsor
Authorized insurer or licensed independent adjusting firm certifies qualifications, training, software capability, and character and submits the application through its appointing-entity MyProfile account. Rule also permits an eligible surplus lines insurer. Individuals and public adjusting firms do not apply.
Term
Up to six months, or the shorter period specified by the Department; adjusting work starts only after license issuance.

Official no-examination sources

Effective from 2026-09-22.

Extension while catastrophe conditions continue
No examination is required for this applicant pathway.
Application
Entity electronically submits the initial/extension form and applicable payment.
Ongoing emergency
Department determines catastrophe or emergency conditions still exist.
Term
Each extension is for up to an additional six months.

Official no-examination sources

Effective from 2026-09-22.

25-05 Independent Adjusting Firm License

License for a resident or non-resident independent adjusting firm.

Licensing authority: Florida Department of Financial Services · Application information

Firm relicensure after expiration
No examination is required for this applicant pathway.
Application
Firm MyProfile application identifies majority owners, partners, officers, directors, addresses, offices, and primary adjusters; signed by an authorized managing individual.
Continuation
Perpetual while a primary adjuster is effectively designated; license expires on the 91st day without a primary adjuster.
Fingerprints
Provide fingerprints for controlling owners, partners, officers, directors, and managers unless covered by the statutory existing-license-and-appointment exemption.
Primary adjuster
Designate a Florida licensed independent adjuster for each location; independent primary adjuster must also be appointed as independent.
Restoration
Submit a new firm application and restore the licensed primary adjuster.
Scope
Single adjuster operating in the individual name without other licensees is exempt. Qualifying branch locations use the parent name and FEIN and must be reported within 30 days.

Official no-examination sources

Effective from 2026-09-22.

Initial firm licensure
No examination is required for this applicant pathway.
Application
Firm MyProfile application identifies majority owners, partners, officers, directors, addresses, offices, and primary adjusters; signed by an authorized managing individual.
Continuation
Perpetual while a primary adjuster is effectively designated; license expires on the 91st day without a primary adjuster.
Fingerprints
Provide fingerprints for controlling owners, partners, officers, directors, and managers unless covered by the statutory existing-license-and-appointment exemption.
Primary adjuster
Designate a Florida licensed independent adjuster for each location; independent primary adjuster must also be appointed as independent.
Scope
Single adjuster operating in the individual name without other licensees is exempt. Qualifying branch locations use the parent name and FEIN and must be reported within 30 days.

Official no-examination sources

Effective from 2026-09-22.

Firm new licensure after revocation
No examination is required for this applicant pathway.
Application
Firm MyProfile application identifies majority owners, partners, officers, directors, addresses, offices, and primary adjusters; signed by an authorized managing individual.
Continuation
Perpetual while a primary adjuster is effectively designated; license expires on the 91st day without a primary adjuster.
Fingerprints
Provide fingerprints for controlling owners, partners, officers, directors, and managers unless covered by the statutory existing-license-and-appointment exemption.
Primary adjuster
Designate a Florida licensed independent adjuster for each location; independent primary adjuster must also be appointed as independent.
Restoration
Observe the two-year revocation waiting period and qualify as a first-time firm applicant; underlying causes must no longer exist or recur.
Scope
Single adjuster operating in the individual name without other licensees is exempt. Qualifying branch locations use the parent name and FEIN and must be reported within 30 days.

Official no-examination sources

Effective from 2026-09-22.

Firm reinstatement after suspension
No examination is required for this applicant pathway.
Application
Firm MyProfile application identifies majority owners, partners, officers, directors, addresses, offices, and primary adjusters; signed by an authorized managing individual.
Continuation
Perpetual while a primary adjuster is effectively designated; license expires on the 91st day without a primary adjuster.
Fingerprints
Provide fingerprints for controlling owners, partners, officers, directors, and managers unless covered by the statutory existing-license-and-appointment exemption.
Primary adjuster
Designate a Florida licensed independent adjuster for each location; independent primary adjuster must also be appointed as independent.
Restoration
Complete the suspension and obtain approval of a reinstatement application after remedying the underlying circumstances.
Scope
Single adjuster operating in the individual name without other licensees is exempt. Qualifying branch locations use the parent name and FEIN and must be reported within 30 days.

Official no-examination sources

Effective from 2026-09-22.

Grandfathered limited adjuster license — Boiler and machinery

Existing limited license retained under F.S. 626.869; no new or additional licenses may be issued and terminated, suspended, or revoked licenses cannot be reinstated.

Licensing authority: Florida Department of Financial Services · Application information

Grandfathered limited license appointment renewal or continuation
No examination is required for this applicant pathway.
Continuity
May remain licensed and appointed and renew the existing appointment; no new/additional license or reinstatement of a terminated, suspended, or revoked license is permitted. The 1990 group also bars reinstatement of an appointment terminated or not renewed.
Education
Satisfy continuing education applicable to the retained limited license.
Examination discretion
F.S. 626.221(2)(a) makes an examination unnecessary for appointment renewal unless the Department determines competence/trustworthiness testing necessary. The generic discretionary slot is a condition; no currently offered named examination for this grandfathered limited class is specified.
Existing license
Held the relevant limited license and appointment on October 1, 1990.

Official no-examination sources

Effective from 2026-09-22.

Grandfathered limited adjuster license — Casualty

Existing limited license retained under F.S. 626.869; no new or additional licenses may be issued and terminated, suspended, or revoked licenses cannot be reinstated.

Licensing authority: Florida Department of Financial Services · Application information

Grandfathered limited license appointment renewal or continuation
No examination is required for this applicant pathway.
Continuity
May remain licensed and appointed and renew the existing appointment; no new/additional license or reinstatement of a terminated, suspended, or revoked license is permitted. The 1990 group also bars reinstatement of an appointment terminated or not renewed.
Education
Satisfy continuing education applicable to the retained limited license.
Examination discretion
F.S. 626.221(2)(a) makes an examination unnecessary for appointment renewal unless the Department determines competence/trustworthiness testing necessary. The generic discretionary slot is a condition; no currently offered named examination for this grandfathered limited class is specified.
Existing license
Held the relevant limited license and appointment on October 1, 1990.

Official no-examination sources

Effective from 2026-09-22.

Grandfathered limited adjuster license — Fire and allied lines, including marine

Existing limited license retained under F.S. 626.869; no new or additional licenses may be issued and terminated, suspended, or revoked licenses cannot be reinstated.

Licensing authority: Florida Department of Financial Services · Application information

Grandfathered limited license appointment renewal or continuation
No examination is required for this applicant pathway.
Continuity
May remain licensed and appointed and renew the existing appointment; no new/additional license or reinstatement of a terminated, suspended, or revoked license is permitted. The 1990 group also bars reinstatement of an appointment terminated or not renewed.
Education
Satisfy continuing education applicable to the retained limited license.
Examination discretion
F.S. 626.221(2)(a) makes an examination unnecessary for appointment renewal unless the Department determines competence/trustworthiness testing necessary. The generic discretionary slot is a condition; no currently offered named examination for this grandfathered limited class is specified.
Existing license
Held the relevant limited license and appointment on October 1, 1990.

Official no-examination sources

Effective from 2026-09-22.

Grandfathered limited adjuster license — Health insurance

Existing limited license retained under F.S. 626.869; no new or additional licenses may be issued and terminated, suspended, or revoked licenses cannot be reinstated.

Licensing authority: Florida Department of Financial Services · Application information

Grandfathered limited license appointment renewal or continuation
No examination is required for this applicant pathway.
Continuity
May remain licensed and appointed and renew the existing appointment; no new/additional license or reinstatement of a terminated, suspended, or revoked license is permitted. The 1990 group also bars reinstatement of an appointment terminated or not renewed.
Education
Satisfy continuing education applicable to the retained limited license.
Examination discretion
F.S. 626.221(2)(a) makes an examination unnecessary for appointment renewal unless the Department determines competence/trustworthiness testing necessary. The generic discretionary slot is a condition; no currently offered named examination for this grandfathered limited class is specified.
Existing license
Held the relevant limited license and appointment on October 1, 2012.

Official no-examination sources

Effective from 2026-09-22.

Grandfathered limited adjuster license — Motor vehicle physical damage and mechanical breakdown

Existing limited license retained under F.S. 626.869; no new or additional licenses may be issued and terminated, suspended, or revoked licenses cannot be reinstated.

Licensing authority: Florida Department of Financial Services · Application information

Grandfathered limited license appointment renewal or continuation
No examination is required for this applicant pathway.
Continuity
May remain licensed and appointed and renew the existing appointment; no new/additional license or reinstatement of a terminated, suspended, or revoked license is permitted. The 1990 group also bars reinstatement of an appointment terminated or not renewed.
Education
Satisfy continuing education applicable to the retained limited license.
Examination discretion
F.S. 626.221(2)(a) makes an examination unnecessary for appointment renewal unless the Department determines competence/trustworthiness testing necessary. The generic discretionary slot is a condition; no currently offered named examination for this grandfathered limited class is specified.
Existing license
Held the relevant limited license and appointment on October 1, 2012.

Official no-examination sources

Effective from 2026-09-22.

Grandfathered limited adjuster license — Property and casualty

Existing limited license retained under F.S. 626.869; no new or additional licenses may be issued and terminated, suspended, or revoked licenses cannot be reinstated.

Licensing authority: Florida Department of Financial Services · Application information

Grandfathered limited license appointment renewal or continuation
No examination is required for this applicant pathway.
Continuity
May remain licensed and appointed and renew the existing appointment; no new/additional license or reinstatement of a terminated, suspended, or revoked license is permitted. The 1990 group also bars reinstatement of an appointment terminated or not renewed.
Education
Satisfy continuing education applicable to the retained limited license.
Examination discretion
F.S. 626.221(2)(a) makes an examination unnecessary for appointment renewal unless the Department determines competence/trustworthiness testing necessary. The generic discretionary slot is a condition; no currently offered named examination for this grandfathered limited class is specified.
Existing license
Held the relevant limited license and appointment on October 1, 2012.

Official no-examination sources

Effective from 2026-09-22.

Grandfathered limited adjuster license — Workers’ compensation

Existing limited license retained under F.S. 626.869; no new or additional licenses may be issued and terminated, suspended, or revoked licenses cannot be reinstated.

Licensing authority: Florida Department of Financial Services · Application information

Grandfathered limited license appointment renewal or continuation
No examination is required for this applicant pathway.
Continuity
May remain licensed and appointed and renew the existing appointment; no new/additional license or reinstatement of a terminated, suspended, or revoked license is permitted. The 1990 group also bars reinstatement of an appointment terminated or not renewed.
Education
Satisfy continuing education applicable to the retained limited license.
Examination discretion
F.S. 626.221(2)(a) makes an examination unnecessary for appointment renewal unless the Department determines competence/trustworthiness testing necessary. The generic discretionary slot is a condition; no currently offered named examination for this grandfathered limited class is specified.
Existing license
Held the relevant limited license and appointment on October 1, 2012.

Official no-examination sources

Effective from 2026-09-22.

7-20 Non-Resident All Lines Adjuster License

Nonresident all-lines adjuster license with independent adjuster or company employee adjuster appointments.

Licensing authority: Florida Department of Financial Services · Application information

Renewal or continuation of appointment
No examination is required for this applicant pathway.
Continuing education
Satisfy applicable continuing education under F.S. 626.869 and 626.2815.
Examination discretion
F.S. 626.221(2)(a) expressly says an examination is not necessary unless the Department determines it necessary to establish competence or trustworthiness. This generic examination slot is an applicant condition; no separately named examination is identified for renewal.
Existing license
Existing license and appointment; biennial appointment renewal or continuation with applicable fees.

Official no-examination sources

Effective from 2026-09-22.

Public adjuster apprentice appointment
No examination is required for this applicant pathway.
Appointment
Licensed public adjusting firm submits a 31-20 apprentice appointment; one apprentice per supervising public adjuster, no more than four simultaneously per firm subject to the statutory commercial-firm exception.
Bond
Maintain the $50,000 apprentice bond during the appointment and for one year afterward.
Existing license
Hold a 6-20 resident or 7-20 nonresident all-lines adjuster license as applicable.
Practice limit
Apprentice may not execute public adjusting contracts.

Official no-examination sources

Effective from 2026-09-22.

Initial licensure with an approved adjuster designation
No examination is required for this applicant pathway.
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Designation
ACA, CALA, AIC, PCA, PPIA, CA, CCA, CACP, AICS, PIC, RCA, or UCC from the institution identified by F.S. 626.221(2)(j) and the Department instructions; provide the original designation letter. UCC applicants must also provide proof of precertification course and examination completion. These are designation/qualification conditions; the source does not name a separate current licensing examination.
Minimum age
Natural person at least 18 years old.
Residency
Nonresident of Florida.

Official no-examination sources

Effective from 2026-09-22.

Initial licensure with CPCU designation
No examination is required for this applicant pathway.
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Department discretion
F.S. 626.221(2)(h) permits examination on pertinent code provisions; the implementing checklist states the applicant is exempt from the state examination. No separately identifiable code-only examination is specified.
Designation
Hold the CPCU designation from the named awarding institution and provide its letter.
Minimum age
Natural person at least 18 years old.
Residency
Nonresident of Florida.

Official no-examination sources

Effective from 2026-09-22.

Initial licensure by examination
Florida Adjuster’s All Lines Insurance
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Exemption status
Does not qualify for an applicable statutory examination exemption.
Minimum age
Natural person at least 18 years old.
Residency
Nonresident of Florida.
Score currency
A passing score obtained within one year before application can satisfy the examination requirement; this does not remove the currently offered examination from this route.
New licensure after termination, cancellation, or expiration
Florida Adjuster’s All Lines Insurance
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Minimum age
Natural person at least 18 years old.
New examination
Public adjuster applicants must pass a new public examination after approval regardless of prior passing; all-lines applicants are subject to the current licensing exam with any independently applicable statutory exemption.
Requalification
Qualify as a first-time applicant for the same license class; applicable initial qualifications and statutory exemptions apply.
Residency
Nonresident of Florida.
Revocation wait
For revocation, wait at least two years from effective revocation or final affirming court order, and remove the underlying circumstances.
Licensure by qualifying former Department employment
No examination is required for this applicant pathway.
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Department employment
Within four years before application, full-time salaried Department employee with responsible insurance duties for two continuous years.
Minimum age
Natural person at least 18 years old.
Prior license
Held the same class of license within four years before Department employment.
Residency
Nonresident of Florida.

Official no-examination sources

Effective from 2026-09-22.

Initial adjuster licensure by a licensed general lines agent
Florida Adjuster’s All Lines Insurance
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Department exemption statement
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Existing license
Currently licensed as a general lines property and casualty agent.
Minimum age
Natural person at least 18 years old.
Residency
Nonresident of Florida.
Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Minimum age
Natural person at least 18 years old.
Prior license
Hold a current all-lines adjuster license in the home jurisdiction under a reciprocal agreement with Florida.
Residency
Nonresident of Florida.
Verification
Provide certification of licensing and disciplinary status unless NAIC verification is available.

Official no-examination sources

Effective from 2026-09-22.

Initial licensure with a qualifying insurance degree
No examination is required for this applicant pathway.
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Department discretion
Statute permits examination on pertinent code provisions; the implementing instructions state that the applicant is exempt. No separately identifiable code-only examination is specified.
Education
Accredited insurance degree with at least 18 semester hours including property, casualty, health, and commercial insurance; provide an official transcript.
Minimum age
Natural person at least 18 years old.
Residency
Nonresident of Florida.

Official no-examination sources

Effective from 2026-09-22.

Reappointment after military service
No examination is required for this applicant pathway.
Appointment class
Same type/class formerly held, or the most closely resembling currently issued class.
Department discretion
Department may issue without a further written examination under F.S. 626.871.
Military service
Service did not exceed three years; apply and pay the fee within twelve months after honorable discharge.
Prior appointment
Held a current Florida adjuster appointment when entering United States Armed Forces service.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Minimum age
Natural person at least 18 years old.
Prior license
Hold a current nonresident all-lines adjuster license in a jurisdiction other than the home jurisdiction under an applicable reciprocal agreement with Florida.
Residency
Nonresident of Florida.
Verification
Provide certification of licensing and disciplinary status unless NAIC verification is available.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure for a Canadian resident adjusting portable electronics or eyewear
Florida Adjuster’s All Lines Insurance
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Florida requirement
Florida all-lines examination applies unless an independently applicable reciprocal-license or approved-designation exemption applies.
Minimum age
Natural person at least 18 years old.
Prior license
Must first obtain an adjuster license in another jurisdiction under F.S. 626.8685(2). That foreign license and any examinations for it are applicant conditions.
Residence
Resident of Canada adjusting portable electronics or eyewear claims.
Residency
Nonresident of Florida.
Discretionary probationary licensure
Florida Adjuster’s All Lines Insurance
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Criminal history
F.S. 626.207(3)(b): felony outside the permanent bar and moral-turpitude category; serve at least half the seven-year disqualifying period and have no further guilty finding or plea during that time.
Department discretion
Department may grant probationary licensure for the remainder of the disqualifying period.
Financial obligations
Pay related fines, court costs, fees, and restitution.
Minimum age
Natural person at least 18 years old.
Ordinary qualifications
Satisfy the ordinary license qualifications and applicable examination requirements or exemptions.
Residency
Nonresident of Florida.
Reapplication within 48 months of prior appointment cancellation or expiration
No examination is required for this applicant pathway.
Application window
Apply for an all-lines adjuster license within 48 months after cancellation or expiration of the prior appointment.
Prior license
Previously licensed as an all-lines adjuster and appointed as an independent or company employee adjuster.

Official no-examination sources

Effective from 2026-09-22.

New licensure after revocation
Florida Adjuster’s All Lines Insurance
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Minimum age
Natural person at least 18 years old.
New examination
Public adjuster applicants must pass a new public examination after approval regardless of prior passing; all-lines applicants are subject to the current licensing exam with any independently applicable statutory exemption.
Requalification
Qualify as a first-time applicant for the same license class; applicable initial qualifications and statutory exemptions apply.
Residency
Nonresident of Florida.
Revocation wait
For revocation, wait at least two years from effective revocation or final affirming court order, and remove the underlying circumstances.
Reinstatement after suspension
Florida Adjuster’s All Lines Insurance
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Examination discretion
F.S. 626.281(3) permits requiring the all-lines licensing examination upon reinstatement; F.S. 626.221(2)(c) permits exemption for suspension within the preceding four years. The discretionary exemption is an applicant condition.
Minimum age
Natural person at least 18 years old.
Residency
Nonresident of Florida.
Suspension
Application for reinstatement after the suspension period; eliminate the circumstances underlying suspension; required continuing education following a second suspension.

25-07 Public Adjusting Firm License

License for resident and non-resident public adjusting firms.

Licensing authority: Florida Department of Financial Services · Application information

Firm relicensure after expiration
No examination is required for this applicant pathway.
Application
Firm MyProfile application identifies majority owners, partners, officers, directors, addresses, offices, and primary adjusters; signed by an authorized managing individual.
Continuation
Perpetual while a primary adjuster is effectively designated; license expires on the 91st day without a primary adjuster.
Fingerprints
Provide fingerprints for controlling owners, partners, officers, directors, and managers unless covered by the statutory existing-license-and-appointment exemption.
Primary adjuster
Designate a Florida licensed public adjuster for each location; independent primary adjuster must also be appointed as independent.
Restoration
Submit a new firm application and restore the licensed primary adjuster.
Scope
Single adjuster operating in the individual name without other licensees is exempt. Qualifying branch locations use the parent name and FEIN and must be reported within 30 days.

Official no-examination sources

Effective from 2026-09-22.

Initial firm licensure
No examination is required for this applicant pathway.
Application
Firm MyProfile application identifies majority owners, partners, officers, directors, addresses, offices, and primary adjusters; signed by an authorized managing individual.
Continuation
Perpetual while a primary adjuster is effectively designated; license expires on the 91st day without a primary adjuster.
Fingerprints
Provide fingerprints for controlling owners, partners, officers, directors, and managers unless covered by the statutory existing-license-and-appointment exemption.
Primary adjuster
Designate a Florida licensed public adjuster for each location; independent primary adjuster must also be appointed as independent.
Scope
Single adjuster operating in the individual name without other licensees is exempt. Qualifying branch locations use the parent name and FEIN and must be reported within 30 days.

Official no-examination sources

Effective from 2026-09-22.

Firm new licensure after revocation
No examination is required for this applicant pathway.
Application
Firm MyProfile application identifies majority owners, partners, officers, directors, addresses, offices, and primary adjusters; signed by an authorized managing individual.
Continuation
Perpetual while a primary adjuster is effectively designated; license expires on the 91st day without a primary adjuster.
Fingerprints
Provide fingerprints for controlling owners, partners, officers, directors, and managers unless covered by the statutory existing-license-and-appointment exemption.
Primary adjuster
Designate a Florida licensed public adjuster for each location; independent primary adjuster must also be appointed as independent.
Restoration
Observe the two-year revocation waiting period and qualify as a first-time firm applicant; underlying causes must no longer exist or recur.
Scope
Single adjuster operating in the individual name without other licensees is exempt. Qualifying branch locations use the parent name and FEIN and must be reported within 30 days.

Official no-examination sources

Effective from 2026-09-22.

Firm reinstatement after suspension
No examination is required for this applicant pathway.
Application
Firm MyProfile application identifies majority owners, partners, officers, directors, addresses, offices, and primary adjusters; signed by an authorized managing individual.
Continuation
Perpetual while a primary adjuster is effectively designated; license expires on the 91st day without a primary adjuster.
Fingerprints
Provide fingerprints for controlling owners, partners, officers, directors, and managers unless covered by the statutory existing-license-and-appointment exemption.
Primary adjuster
Designate a Florida licensed public adjuster for each location; independent primary adjuster must also be appointed as independent.
Restoration
Complete the suspension and obtain approval of a reinstatement application after remedying the underlying circumstances.
Scope
Single adjuster operating in the individual name without other licensees is exempt. Qualifying branch locations use the parent name and FEIN and must be reported within 30 days.

Official no-examination sources

Effective from 2026-09-22.

6-20 Resident All Lines Adjuster License

Independent and company employee adjusting and apprentice appointments use the all-lines license; appointment types are not separate license identities.

Licensing authority: Florida Department of Financial Services · Application information

Renewal or continuation of appointment
No examination is required for this applicant pathway.
Continuing education
Satisfy applicable continuing education under F.S. 626.869 and 626.2815.
Examination discretion
F.S. 626.221(2)(a) expressly says an examination is not necessary unless the Department determines it necessary to establish competence or trustworthiness. This generic examination slot is an applicant condition; no separately named examination is identified for renewal.
Existing license
Existing license and appointment; biennial appointment renewal or continuation with applicable fees.

Official no-examination sources

Effective from 2026-09-22.

Public adjuster apprentice appointment
No examination is required for this applicant pathway.
Appointment
Licensed public adjusting firm submits a 31-20 apprentice appointment; one apprentice per supervising public adjuster, no more than four simultaneously per firm subject to the statutory commercial-firm exception.
Bond
Maintain the $50,000 apprentice bond during the appointment and for one year afterward.
Existing license
Hold a 6-20 resident or 7-20 nonresident all-lines adjuster license as applicable.
Practice limit
Apprentice may not execute public adjusting contracts.

Official no-examination sources

Effective from 2026-09-22.

Initial licensure with an approved adjuster designation
No examination is required for this applicant pathway.
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Designation
ACA, CALA, AIC, PCA, PPIA, CA, CCA, CACP, AICS, PIC, RCA, or UCC from the institution identified by F.S. 626.221(2)(j) and the Department instructions; provide the original designation letter. UCC applicants must also provide proof of precertification course and examination completion. These are designation/qualification conditions; the source does not name a separate current licensing examination.
Minimum age
Natural person at least 18 years old.
Residency
Bona fide Florida resident; no other resident license except the 30-day transfer allowance.

Official no-examination sources

Effective from 2026-09-22.

Initial licensure with CPCU designation
No examination is required for this applicant pathway.
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Department discretion
F.S. 626.221(2)(h) permits examination on pertinent code provisions; the implementing checklist states the applicant is exempt from the state examination. No separately identifiable code-only examination is specified.
Designation
Hold the CPCU designation from the named awarding institution and provide its letter.
Minimum age
Natural person at least 18 years old.
Residency
Bona fide Florida resident; no other resident license except the 30-day transfer allowance.

Official no-examination sources

Effective from 2026-09-22.

Initial licensure by examination
Florida Adjuster’s All Lines Insurance
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Exemption status
Does not qualify for an applicable statutory examination exemption.
Minimum age
Natural person at least 18 years old.
Residency
Bona fide Florida resident; no other resident license except the 30-day transfer allowance.
Score currency
A passing score obtained within one year before application can satisfy the examination requirement; this does not remove the currently offered examination from this route.
New licensure after termination, cancellation, or expiration
Florida Adjuster’s All Lines Insurance
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Minimum age
Natural person at least 18 years old.
New examination
Public adjuster applicants must pass a new public examination after approval regardless of prior passing; all-lines applicants are subject to the current licensing exam with any independently applicable statutory exemption.
Requalification
Qualify as a first-time applicant for the same license class; applicable initial qualifications and statutory exemptions apply.
Residency
Bona fide Florida resident; no other resident license except the 30-day transfer allowance.
Revocation wait
For revocation, wait at least two years from effective revocation or final affirming court order, and remove the underlying circumstances.
Licensure by qualifying former Department employment
No examination is required for this applicant pathway.
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Department employment
Within four years before application, full-time salaried Department employee with responsible insurance duties for two continuous years.
Minimum age
Natural person at least 18 years old.
Prior license
Held the same class of license within four years before Department employment.
Residency
Bona fide Florida resident; no other resident license except the 30-day transfer allowance.

Official no-examination sources

Effective from 2026-09-22.

Initial adjuster licensure by a licensed general lines agent
Florida Adjuster’s All Lines Insurance
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Department exemption statement
{"name":"tmp/examkit/claims-adjuster/fl/6-20-resident-all-lines-adjuster-license.pdf","quote":"Currently licensed as a General Lines (Property and Casualty) agent. [Exempt from State Examination]","value":"The Department implementing checklist states an examination exemption for this applicant, while F.S. 626.221(1) requires an examination unless a statutory exemption applies; the examination is retained under the contract source-ranking rule."}
Existing license
Currently licensed as a general lines property and casualty agent.
Minimum age
Natural person at least 18 years old.
Residency
Bona fide Florida resident; no other resident license except the 30-day transfer allowance.
Initial licensure with a qualifying insurance degree
No examination is required for this applicant pathway.
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Department discretion
Statute permits examination on pertinent code provisions; the implementing instructions state that the applicant is exempt. No separately identifiable code-only examination is specified.
Education
Accredited insurance degree with at least 18 semester hours including property, casualty, health, and commercial insurance; provide an official transcript.
Minimum age
Natural person at least 18 years old.
Residency
Bona fide Florida resident; no other resident license except the 30-day transfer allowance.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure by transfer
No examination is required for this applicant pathway.
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Application window
Application and fees received within 90 days of becoming a resident; provide clearance or NAIC verification and fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Minimum age
Natural person at least 18 years old.
Prior license
Licensed in good standing in the same lines of authority for at least one year immediately before becoming a Florida resident.
Residency
Bona fide Florida resident; no other resident license except the 30-day transfer allowance.
Resident license transition
May hold the other resident license for 30 days after issuance to facilitate transfer.

Official no-examination sources

Effective from 2026-09-22.

Reappointment after military service
No examination is required for this applicant pathway.
Appointment class
Same type/class formerly held, or the most closely resembling currently issued class.
Department discretion
Department may issue without a further written examination under F.S. 626.871.
Military service
Service did not exceed three years; apply and pay the fee within twelve months after honorable discharge.
Prior appointment
Held a current Florida adjuster appointment when entering United States Armed Forces service.

Official no-examination sources

Effective from 2026-09-22.

Discretionary probationary licensure
Florida Adjuster’s All Lines Insurance
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Criminal history
F.S. 626.207(3)(b): felony outside the permanent bar and moral-turpitude category; serve at least half the seven-year disqualifying period and have no further guilty finding or plea during that time.
Department discretion
Department may grant probationary licensure for the remainder of the disqualifying period.
Financial obligations
Pay related fines, court costs, fees, and restitution.
Minimum age
Natural person at least 18 years old.
Ordinary qualifications
Satisfy the ordinary license qualifications and applicable examination requirements or exemptions.
Residency
Bona fide Florida resident; no other resident license except the 30-day transfer allowance.
Initial all lines licensure by a licensed public adjuster
Florida Adjuster’s All Lines Insurance
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Department exemption statement
{"name":"tmp/examkit/claims-adjuster/fl/6-20-resident-all-lines-adjuster-license.pdf","quote":"Currently licensed as an all lines public adjuster. [Exempt from State Examination]","value":"The checklist states exemption from the state examination for this applicant. The statute requires the all-lines examination unless an applicable statutory exemption independently applies."}
Existing license
Currently licensed as an all-lines public adjuster.
Minimum age
Natural person at least 18 years old.
Residency
Bona fide Florida resident; no other resident license except the 30-day transfer allowance.
Reapplication within 48 months of prior appointment cancellation or expiration
No examination is required for this applicant pathway.
Application window
Apply for an all-lines adjuster license within 48 months after cancellation or expiration of the prior appointment.
Prior license
Previously licensed as an all-lines adjuster and appointed as an independent or company employee adjuster.

Official no-examination sources

Effective from 2026-09-22.

New licensure after revocation
Florida Adjuster’s All Lines Insurance
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Minimum age
Natural person at least 18 years old.
New examination
Public adjuster applicants must pass a new public examination after approval regardless of prior passing; all-lines applicants are subject to the current licensing exam with any independently applicable statutory exemption.
Requalification
Qualify as a first-time applicant for the same license class; applicable initial qualifications and statutory exemptions apply.
Residency
Bona fide Florida resident; no other resident license except the 30-day transfer allowance.
Revocation wait
For revocation, wait at least two years from effective revocation or final affirming court order, and remove the underlying circumstances.
Reinstatement after suspension
Florida Adjuster’s All Lines Insurance
Application
Submit a completed application, pay applicable fees, and provide fingerprints.
Appointment
A license and the appropriate appointment are required to practice; only one adjuster license and one adjuster appointment may be held at a time.
Character
Trustworthy and sufficiently trained or experienced in adjusting; subject to statutory criminal-history disqualification and rehabilitation requirements.
Citizenship
United States citizen or legal alien with work authorization.
Examination discretion
F.S. 626.281(3) permits requiring the all-lines licensing examination upon reinstatement; F.S. 626.221(2)(c) permits exemption for suspension within the preceding four years. The discretionary exemption is an applicant condition.
Minimum age
Natural person at least 18 years old.
Residency
Bona fide Florida resident; no other resident license except the 30-day transfer allowance.
Suspension
Application for reinstatement after the suspension period; eliminate the circumstances underlying suspension; required continuing education following a second suspension.

Florida Adjuster’s All Lines Insurance

Provider
Pearson VUE
Format
Computer-based written examination
Exam questions
100 scored questions plus 10 pretest questions
Time limit
2 hours
Passing score
70%
Examination outline
  • PROPERTY AND LIABILITY INSURANCE CONCEPTS, INSURANCE CONTRACTS, AND LAW AND ADJUSTING PRACTICES (14%)
    • A. Contracts in general
    • B. Property and liability insurance
    • B. Property and liability insurance / 1. Contract elements
    • B. Property and liability insurance / 2. Insurance policy conditions
    • B. Property and liability insurance / 3. Risk
    • B. Property and liability insurance / 4. Property insurance concepts
    • B. Property and liability insurance / 5. Liability insurance concepts
    • B. Property and liability insurance / 6. Insurance contracts and the law
    • C. Adjusting Practices
    • C. Adjusting Practices / 1. Adjuster's responsibilities
    • C. Adjusting Practices / 2. Insurer's claims handling goals
    • C. Adjusting Practices / 3. Basic claims handling activities
    • C. Adjusting Practices / 4. Common settlement and release options
    • C. Adjusting Practices / 5. Property adjusting practices (Ref: 627.70131)
    • C. Adjusting Practices / 6. Liability adjusting practices
    • D. Types of Insurers
    • D. Types of Insurers / 1. Surplus Lines
    • D. Types of Insurers / 2. Reciprocal Exchanges
    • D. Types of Insurers / 3. Admitted Insurers
    • D. Types of Insurers / 4. Residual Market
  • CASUALTY/LIABILITY INSURANCE (28%)
    • A. Automobile Liability
    • A. Automobile Liability / 1. Function of auto liability insurance
    • A. Automobile Liability / 2. Supplementary payments
    • A. Automobile Liability / 3. Limits
    • A. Automobile Liability / 4. Personal Auto Policy
    • A. Automobile Liability / 5. Personal Auto endorsements
    • B. Uninsured Motorists
    • C. Florida Automobile No-Fault (PIP)
    • D. Automobile Miscellaneous
    • D. Automobile Miscellaneous / 1. Business auto policy
    • D. Automobile Miscellaneous / 1. Business auto policy / a. Business auto coverage form
    • D. Automobile Miscellaneous / 1. Business auto policy / b. Business auto endorsements
    • D. Automobile Miscellaneous / 1. Business auto policy / c. Garage insurance
    • D. Automobile Miscellaneous / 1. Business auto policy / d. Garage coverage form endorsements
    • E. General Liability
    • E. General Liability / 1. Declarations
    • E. General Liability / 2. Common policy conditions
    • E. General Liability / 3. Coverage A – Bodily injury and property damage agreement
    • E. General Liability / 4. Coverage B – Personal and advertising injury
    • E. General Liability / 5. Coverage C – Medical payments
    • E. General Liability / 6. Supplementary payments
    • E. General Liability / 7. Miscellaneous forms of general liability insurance
    • F. Excess/Umbrella Liability
    • F. Excess/Umbrella Liability / 1. Excess liability
    • F. Excess/Umbrella Liability / 2. Umbrellas
    • G. Other Commercial Casualty Insurance
    • G. Other Commercial Casualty Insurance / 1. Professional liability insurance
    • G. Other Commercial Casualty Insurance / 2. Employment–related practices liability (EPL)
    • H. Homeowners Liability
    • H. Homeowners Liability / 1. Coverage
    • H. Homeowners Liability / 2. Exclusions
    • H. Homeowners Liability / 3. Additional coverages
    • H. Homeowners Liability / 4. Limits of liability
    • H. Homeowners Liability / 5. Endorsements
    • I. Farm Liability
    • J. Boiler Machinery/Equipment Breakdown
    • J. Boiler Machinery/Equipment Breakdown / 1. Boiler Machinery/Equipment Breakdown coverage form
    • J. Boiler Machinery/Equipment Breakdown / 2. Objects definitions forms
    • J. Boiler Machinery/Equipment Breakdown / 3. Indirect loss coverage endorsements
    • J. Boiler Machinery/Equipment Breakdown / 4. Miscellaneous options
    • J. Boiler Machinery/Equipment Breakdown / 5. Small business forms
    • K. Crime and Surety
    • K. Crime and Surety / 1. Crime General Provisions
    • K. Crime and Surety / 2. Coverages and Insuring Agreements
    • K. Crime and Surety / 3. Surety bonds
    • L. Workers Compensation
    • L. Workers Compensation / 1. Workers Compensation law
    • L. Workers Compensation / 1. Workers Compensation law / a. Definitions
    • L. Workers Compensation / 1. Workers Compensation law / b. Other requirements
    • L. Workers Compensation / 1. Workers Compensation law / c. Injuries covered
    • L. Workers Compensation / 1. Workers Compensation law / d. Benefits
    • L. Workers Compensation / 1. Workers Compensation law / e. Rules for payment
    • L. Workers Compensation / 1. Workers Compensation law / f. Claims disputes
    • L. Workers Compensation / 1. Workers Compensation law / g. Miscellaneous law provisions
    • L. Workers Compensation / 2. Workers’ compensation and employers liability insurance policy
  • FIRE AND ALLIED LINES, INCLUDING MARINE, DWELLING (28%)
    • A. Dwelling Policies
    • A. Dwelling Policies / 1. Declarations
    • A. Dwelling Policies / 2. Coverages (Basic, Broad, Special Forms)
    • A. Dwelling Policies / 2. Coverages (Basic, Broad, Special Forms) / a. DP-1, 2, 3
    • A. Dwelling Policies / 3. Endorsements
    • B. Homeowners Insurance
    • B. Homeowners Insurance / 1. Section I - Property Coverage
    • B. Homeowners Insurance / 2. Coverages
    • B. Homeowners Insurance / 2. Coverages / a. HO-2, 3, 4, 5, 6, 8
    • B. Homeowners Insurance / 3. Limits
    • B. Homeowners Insurance / 4. Additional coverages
    • B. Homeowners Insurance / 5. Perils insured against
    • B. Homeowners Insurance / 6. General exclusions
    • B. Homeowners Insurance / 7. Conditions
    • B. Homeowners Insurance / 8. General conditions
    • B. Homeowners Insurance / 9. Endorsements
    • C. Commercial Property Policy
    • C. Commercial Property Policy / 1. Contract conditions
    • C. Commercial Property Policy / 2. Coverage forms - general
    • C. Commercial Property Policy / 3. Causes of Loss forms
    • D. Flood Insurance
    • D. Flood Insurance / 1. National Flood Insurance Program
    • D. Flood Insurance / 2. Other flood insurance
    • E. Business owners Policy
    • E. Business owners Policy / 1. Eligibility
    • E. Business owners Policy / 2. Property coverages
    • E. Business owners Policy / 3. Optional coverages
    • E. Business owners Policy / 4. Liability coverages
    • F. Inland Marine Insurance
    • F. Inland Marine Insurance / 1. Nationwide definition
    • F. Inland Marine Insurance / 2. Personal inland marine policies
    • F. Inland Marine Insurance / 3. Commercial Inland Marine policies
    • F. Inland Marine Insurance / 3. Commercial Inland Marine policies / a. Controlled forms
    • F. Inland Marine Insurance / 3. Commercial Inland Marine policies / b. Uncontrolled forms
    • G. Ocean Marine Insurance
    • G. Ocean Marine Insurance / 1. Types of coverage
    • G. Ocean Marine Insurance / 1. Types of coverage / a. Hull coverage
    • G. Ocean Marine Insurance / 1. Types of coverage / b. Cargo coverage
    • G. Ocean Marine Insurance / 1. Types of coverage / c. Freight coverage
    • G. Ocean Marine Insurance / 1. Types of coverage / d. Liability coverage
    • G. Ocean Marine Insurance / 2. Ocean Marine perils
    • G. Ocean Marine Insurance / 3. Other ocean marine policy clauses and definitions
    • H. Aviation Insurance
    • H. Aviation Insurance / 1. Aircraft policies and coverage
    • H. Aviation Insurance / 2. Special aviation coverages
  • MOTOR VEHICLE PHYSICAL DAMAGE AND MECHANICAL BREAKDOWN INSURANCE (15%)
    • A. Personal Auto Policy
    • A. Personal Auto Policy / 1. Part D - Coverage for damage to your auto
    • A. Personal Auto Policy / 2. Endorsements
    • B. Business Auto Policy
    • B. Business Auto Policy / 1. Business auto coverage form
    • B. Business Auto Policy / 1. Business auto coverage form / a. Section I- Covered autos
    • B. Business Auto Policy / 1. Business auto coverage form / b. Section III - Physical damage
    • B. Business Auto Policy / 2. Garage insurance
    • B. Business Auto Policy / 2. Garage insurance / a. Section I - Covered autos
    • B. Business Auto Policy / 2. Garage insurance / b. Section III - Garage keepers
    • B. Business Auto Policy / 2. Garage insurance / c. Section IV - Physical damage coverage
    • B. Business Auto Policy / 2. Garage insurance / d. Endorsements
    • B. Business Auto Policy / 3. Other provisions of auto policies
    • C. Mechanical Breakdown
    • C. Mechanical Breakdown / 1. Exclusions
    • C. Mechanical Breakdown / 2. Deductible
    • C. Mechanical Breakdown / 3. Policy term and territory
    • C. Mechanical Breakdown / 4. Conditions
  • HEALTH INSURANCE (2%)
    • A. General policy provisions and application
    • B. Types of policies
    • C. Other organizations
    • C. Other organizations / 1. Health Maintenance Organizations (HMO)
    • C. Other organizations / 2. Preferred Provider Organizations (PPO)
    • D. Disability
    • E. Medicare Supplement
  • RESIDUAL MARKETS (2%)
    • A. Florida Automobile Joint Underwriting Association (FAJUA)
    • B. Citizens Property Insurance Corporation (Ref: 627.351)
    • C. Florida Workers Compensation Joint Underwriting Association (FWCJUA)
  • SELECTED FLORIDA STATUTES AND RULES (11%)
    • A. Adjuster Licensing Requirements
    • A. Adjuster Licensing Requirements / 1. Transacting insurance
    • A. Adjuster Licensing Requirements / 2. Civil remedy
    • A. Adjuster Licensing Requirements / 3. Continuing education (Ref: 626.869)
    • A. Adjuster Licensing Requirements / 4. Expiration of license and appointment
    • A. Adjuster Licensing Requirements / 5. Notice of change of address; name
    • A. Adjuster Licensing Requirements / 6. Refusal, suspension, or revocation of license
    • B. Conduct of Adjuster
    • B. Conduct of Adjuster / 1. Dismantling, destruction, change of identity of motor vehicle or mobile home; salvage
    • B. Conduct of Adjuster / 2. Unfair methods of competition and unfair or deceptive acts or practices
    • B. Conduct of Adjuster / 3. Comprehensive coverage
    • B. Conduct of Adjuster / 4. Mediation of claims
    • B. Conduct of Adjuster / 5. Misrepresentation of policy provisions
    • B. Conduct of Adjuster / 6. Failure to acknowledge
    • B. Conduct of Adjuster / 7. Response to Department inquiries
    • B. Conduct of Adjuster / 8. Insurer Anti-Fraud Efforts
    • B. Conduct of Adjuster / 9. Adjuster identification
    • C. Ethical Requirements
    • C. Ethical Requirements / 1. Violations
    • C. Ethical Requirements / 2. Code of Ethics
    • D. Florida Insurance Guaranty Association (FIGA)
Examination sources