How to Get a Insurance Adjuster License in Florida
Last updated: March 2, 2026
Florida is a booming real estate market driven by population growth, tourism, and international buyers, making it an excellent place to start a career as a insurance adjuster. Licensing in Florida is overseen by the Florida Department of Financial Services. The process requires 40 hours of pre-license education and costs between $500 and $1,200 in total. You'll need to pass the Florida All-Lines Insurance Adjuster Exam (administered by Florida Department of Financial Services) with a score of at least 70%.
Florida requires just 40 hours of pre-license education — one of the lowest requirements in the nation. This is about 135% above the national average of 17 hours. Budget between $500 and $1,200 for the total licensing process, including education, application, and exam fees. Most aspiring insurance adjusters complete the entire process in 4-8 weeks, depending on how quickly they move through the coursework and exam preparation.
Florida Insurance Adjuster License Requirements
| Requirement | Details |
|---|---|
| Minimum Age | 18 years old |
| Pre-License Education | 40 hours |
| Degree Required | No |
| Exam Required | Yes — Florida All-Lines Insurance Adjuster Exam |
| Passing Score | 70% |
| Background Check | Yes |
| Broker Sponsorship | Not required |
| Application Fee | $60 |
| Exam Fee | $53 |
| Governing Body | Florida Department of Financial Services |
| License Reciprocity | Partial |
Reciprocity:
Steps to Get Your Insurance Adjuster License in Florida
- 1
Complete 40 Hours of Pre-License Education
Time: 2-4 weeks Cost: $350 - 2
Pass the Florida All-Lines Insurance Adjuster Exam
Register and pass the adjuster licensing exam administered by PSI or Prometric. The exam fee is $53.
Time: 2-4 weeks Cost: $53 - 3
Apply for Your Adjuster License
Submit your application to the Florida Department of Financial Services. Include exam results, fingerprints for background check, and the application fee of $60.
Time: 2-6 weeks Cost: $60 - 4
Choose Your Adjuster Type
Decide whether to work as a staff adjuster (employee of an insurance company), independent adjuster (contractor for multiple carriers), or public adjuster (representing policyholders). Each path has different licensing, earning potential, and work style.
Time: Varies - 5
Begin Adjusting Claims
Once licensed, you can adjust insurance claims in Florida. Join an independent adjusting firm (Pilot, Crawford, Sedgwick) or apply directly to insurance carriers. Storm season is the busiest time for new adjusters.
Time: Immediate once licensed
Key Things to Know
- Education requirement: . Many providers offer online options, giving you flexibility to study on your own schedule.
- The licensing exam: The Florida All-Lines Insurance Adjuster Exam is administered by Florida Department of Financial Services. You'll need to score at least 70% to pass. Study materials and practice exams are available from most education providers.
- Background check required: Florida requires a criminal background check as part of the application process. Plan for additional processing time and fees.
- Online application available: Florida accepts online applications, which can speed up processing time.
- Ongoing requirements: Once licensed, you'll need 24 hours of continuing education every 2 years. .
How Florida Compares
Florida requires 40 hours of pre-license education for insurance adjusters. This is about 135% above the national average of 17 hours. The average total cost in Florida is around $850, compared to the national average of $718.
How Much Does a Insurance Adjuster License Cost in Florida?
| Cost Item | Estimated Range |
|---|---|
| Pre-License Education | $300 - $700 |
| Application Fee | $60 |
| Exam Fee | $53 |
| Total Estimated Cost | $500 - $1,200 |
License Renewal
- Renewal Period: Every 2 years
- Continuing Education: 24 hours
- CE Details:
- Renewal Fee: $60
Tips for Success
- Choose your education provider carefully: Compare prices, format (online vs. in-person), and reviews. Some providers offer exam prep materials bundled with the course, which can save you money. Check the Florida Department of Financial Services website for a list of approved providers.
- Don't rush the exam: With only 40 hours required, you can complete the education portion quickly — some providers offer accelerated programs that finish in 2-3 weeks. Use practice exams to identify weak areas before scheduling your test date.
- Learn Xactimate before applying: Xactimate is the industry-standard software for property claims estimating. Completing a Xactimate certification course before you get licensed makes you immediately hireable by adjusting firms.
- Get licensed in multiple states for storm work: Independent adjusters who deploy to catastrophe areas (hurricanes, tornadoes, hail) can earn $30,000-$50,000+ during a single storm season. Apply for licenses in hurricane-prone states (FL, TX, LA, NC, SC) through reciprocity to maximize opportunities.
- Budget approximately $1,200 for your Florida license: This includes $60 in application fees, $53 for the exam, and education costs. Once licensed, plan for $60 in renewal fees every 2 years.
Frequently Asked Questions
How long does it take to get a insurance adjuster license in Florida?
Most people complete the process in 2-4 weeks total. The pre-license education (40 hours) takes the longest. After completing education, the exam and application process typically adds 2-6 weeks.
How much does it cost to get a insurance adjuster license in Florida?
The total cost ranges from $500 to $1,200, including pre-license education, the application fee ($60), and the exam fee ($53).
Can I get a Florida insurance adjuster license with a criminal record?
The Florida Department of Financial Services evaluates criminal history on a case-by-case basis. Having a criminal record does not automatically disqualify you, but certain offenses may affect your eligibility. Contact the Florida Department of Financial Services for guidance before applying.
Do I need a college degree to become a insurance adjuster in Florida?
No. Florida does not require a college degree. You only need to complete the 40 hours of approved pre-license courses.
Can I take the pre-license courses online in Florida?
Many approved education providers offer pre-license courses online, allowing you to study at your own pace. Check the Florida Department of Financial Services website for a list of approved providers.
Sources
- Official website: Florida Department of Financial Services