Public Adjuster License in Texas and Florida Explained

To become a licensed public adjuster in Texas, you'll need to meet the state's requirements, which include completing a 24-hour pre-licensing course and passing a licensing exam.

The Texas Department of Insurance (TDI) is responsible for issuing public adjuster licenses in the state.

In Florida, the Office of Insurance Regulation (OIR) oversees the licensing of public adjusters.

To obtain a public adjuster license in Florida, you must be at least 18 years old and have a high school diploma or equivalent.

See what others are reading: Florida Insurance Adjuster License

To become a licensed public adjuster, you'll need to meet the state's requirements, which include being at least 18 years old and a United States citizen or legal alien with proof of work authorization.

You'll also need to maintain a principal place of business directly in Florida, unless you're a non-resident, in which case you'll need to be licensed and appointed on a continual basis for 6 months in your state of residence.

A different take: Claims Adjuster Licensing Requirements by State

If your state doesn't issue licenses to public adjusters, you'll need to be licensed and employed as a resident insurance adjuster on a continual basis for the last 6 months in that state.

To qualify for a license, you'll need to complete a Department-approved prelicensing education course totaling not less than 40 hours of instruction.

Prelicensing requirements vary depending on your background: public adjuster candidates must complete the course, while independent adjuster candidates are exempt.

After completing your prelicensing course, you'll need to pass the licensing exam administered by the exam vendor within 2 years of applying for the license.

To apply for the license, you'll need to upload specific documents, including a Complete Bond, Certificates of Character, and a Signed IdentoGO pre-enrollment confirmation/receipt.

As a public adjuster candidate, you'll also need to upload a Statement of Employer (if applicable), while independent adjuster candidates only need to upload the Signed IdentoGO pre-enrollment confirmation/receipt.

Here's a summary of the application requirements:

As a licensed public adjuster, you'll also be required to complete 24 hours of Continuing Education within each 2-year renewal period, with a minimum of 3 hours in the Ethics course category.

To get a public adjuster license in Texas, you'll need to pass the Texas public insurance adjuster exam, which contains 100 multiple choice questions that cover general insurance texts and forms.

You can register for a time and location through PearsonVUE or by calling the Texas Department of Insurance at 1(888)754-7667, and pay the $48 exam registration fee in advance.

If you're renewing a license that's been expired for more than 90 days but less than a year, or if you have a public insurance adjuster license in good standing in another state, you don't need to take the exam.

To keep your Texas public insurance adjuster license in good standing, you must complete 24 hours of continuing education every 2 years, with 3 hours dedicated to ethics and 12 hours dedicated to classroom or classroom equivalent courses.

You can find approved courses through Sircon, where you applied for your initial license, and if you don't complete the required continuing education hours, you'll need to pay a $50 fee for each hour you don't complete (maximum $500 fine).

If you've been licensed as a public adjuster in Texas for 20 consecutive years, you're exempted from continuing education requirements.

Here's an interesting read: What License Do I Need to Sell Final Expense Insurance

To pass the Texas exam, you'll need to register for a time and location through PearsonVUE or by calling the Texas Department of Insurance at 1(888)754-7667.

You'll need to pay your $48 exam registration fee in advance, so make sure to plan ahead.

The exam itself contains 100 multiple choice questions that cover general insurance texts and forms.

If you're renewing a license that's been expired for more than 90 days but less than a year, you won't need to take the exam.

Having a public insurance adjuster license in good standing in another state also means you won't have to take the exam.

To get your Texas public insurance adjuster license, you'll need to buy a $10,000 surety bond.

You can purchase this bond online 24/7 for $100 annually.

The bond will cover losses resulting from a licensed public adjuster's noncompliance with Insurance Code Section 4102.105.

You'll receive your official Texas public adjuster surety bond by email instantly once your payment has been processed.

This bond is a requirement for state licensure, as outlined in Texas Administrative Code Section 19.705.

Worth a look: California Insurance Broker Bond Requirements

Renewing your Texas public adjuster license is a straightforward process. You'll receive a physical renewal notice from the Texas Department of Insurance 90 days before your license expires.

The notice will advise if you need to take a continuing education course. You must complete any required courses at least 30 days before your license expires.

To complete the renewal process, you'll need to pay a $50 renewal fee by check or money order to the address listed on your renewal notice.

If you fail to renew your license on time, you'll be charged an additional $25 late fee.

To get a Florida public adjuster license, you'll need to pass the Florida public adjuster exam. This exam is a requirement, and there are no exceptions.

You'll receive an email with instructions on how to schedule your exam after your application is approved. Your exam fee will be paid to your examination vendor.

A passing score is valid for 1 year from the date you earned it, and you're limited to 5 exam attempts within a 12-month period.

To become a licensed public adjuster in Florida, you'll need to pass the Florida public adjuster exam.

The exam is a crucial step in the licensing process, and it's required for all applicants.

Once your application is approved, you'll receive an email with instructions on how to schedule your exam.

You'll need to pay the exam fee directly to your examination vendor.

A passing score on the exam is valid for 1 year from the date it was earned.

You're allowed a total of 5 exam attempts within a 12-month period.

To submit your Florida public insurance adjuster license application, you'll need to use the Department of Financial Services' Bureau of Licensing online portal. This is where you'll fill out and submit your application.

You'll need to satisfy all requirements before submitting your application. Once you've done so, the DFI will send your approval via email, and you can print copies of your license as needed.

Watch the video provided to learn more about Florida's public adjuster license requirements, bonding, application submission, and bond renewal.

To get started, create an online account through the Department of Financial Services' portal, and follow the instructions to submit your application.

Broaden your view: California Department of Insurance License

If you're an attorney at law licensed to practice in Florida, you're exempt from getting a public adjuster license, but you must be in good standing with The Florida Bar. However, you still need to pass the state examination.

Being convicted of a first-degree or capital felony, or crimes related to money laundering, embezzlement, or financial business services, will permanently ban you from getting a public adjuster license in Florida.

A misdemeanor or felony conviction, depending on the sentence and type of crime, can put a 7-15 year bar on your qualifying time to get licensed as a public adjuster.

On a similar theme: Licensed Public Adjuster

To get a Florida driver's license, you must be at least 15 years old and pass a vision test.

To apply for a license, you'll need to provide proof of identity and Florida residency, such as a valid passport, birth certificate, or utility bill.

You'll also need to pass a written test on Florida traffic laws and road signs, which covers topics like right-of-way rules and speed limits.

You might like: Gds Claims - Public Adjuster

The test consists of 50 multiple-choice questions, and you'll need to get at least 40 correct to pass.

You can study for the test by reviewing the Florida Driver Handbook, which is available online or at your local DMV office.

You'll need to have a valid Florida ID or driver's license to take the written test, so make sure to bring the required documents with you.

After passing the written test, you'll be eligible to take the driving test, which assesses your ability to safely operate a vehicle.

You'll need to schedule a driving test appointment with the DMV and bring a vehicle that meets Florida safety standards.

If you're under 18, you'll also need to have a parent or guardian present during the driving test.

Once you pass the driving test, you'll be issued a Florida driver's license, which is valid for four years.

Remember to renew your license before it expires to avoid any fines or penalties.

To become a public adjuster, you must be at least 18 years old and a United States citizen or legal alien with proof of work authorization from the United States Immigration and Naturalization. You'll also need to maintain a principal place of business directly in Florida.

As a Florida resident, you must either be licensed and appointed as a public adjuster in Florida on a continual basis for the previous 6 months or be licensed as an all-lines adjuster and appointed on a continual basis for the previous 6 months as a public adjuster apprentice, independent adjuster, or company employee adjuster.

Non-residents must be licensed and appointed on a continual basis for 6 months in their state of residence. If the state you live in doesn't issue licenses to public adjusters, you need to be licensed and employed as a resident insurance adjuster on a continual basis for the last 6 months in that state.

Here are the fees associated with obtaining a public adjuster license:

A Public Adjuster is any person who acts on behalf of an insured to negotiate or settle a claim for loss or damage covered by an insurance contract, for compensation or any other thing of value.

To be considered a Public Adjuster, one must advertise for employment or solicit business as a Public Adjuster of insurance claims, or represent themselves to the public as such.

A Public Adjuster can also be any person who directly or indirectly solicits business, investigates, or adjusts losses, or advises an insured about first party claims for losses or damages arising out of policies of insurance that insure real or personal property, for another person engaged in the business of adjusting losses or damages covered by an insurance policy.

Worth a look: Business Licenses and Permits

As a public adjuster, you must complete 24 hours of continuing education every 2 years to keep your license in good standing. This requirement applies to all public adjusters, except those who have been licensed for 20 consecutive years in Texas.

You must complete a minimum of 3 hours in ethics and 12 hours in "classroom" or "classroom equivalent" courses in Texas. You can find approved courses through Sircon.

In Idaho, you must complete 24 hours of continuing education, with a minimum of 3 hours in ethics, and the completion date of any course will determine which non-refundable penalty will apply.

The penalties for completing CE late in Idaho are as follows:

You can't hold more than one license at a time in Florida.

Here are the fees associated with maintaining your license in Florida:

You'll need to pay various fees as part of the licensing process.

A non-refundable fee of $50 is charged when applying for a Texas public insurance adjuster license.

You'll also need to pay a non-refundable fee of $100 when a license is issued for a licensing period of more than one year in Florida.

A non-refundable fee of $50 is charged when a license is issued for a period of one year or less in Florida.

A unique perspective: Non Resident Life Insurance License Florida

You can qualify for an application fee exemption if you or your spouse is a member of the United States Armed Forces or if you are a veteran who has separated from service within 24 months of applying for a license in Florida.

If you're exempt, you'll need to provide one of the following documents:

You'll need to pay a $50 renewal fee by check or money order to renew your Texas public insurance adjuster license.

An additional $25 late fee will be charged if you fail to renew your license on time in Texas.

To become a public adjuster, you must meet certain requirements. You must be at least 18 years old and a United States citizen or legal alien with proof of work authorization.

To qualify for a license, you must meet the prelicensing requirements, which include completing a Department-approved prelicensing education course totaling not less than 40 hours of instruction.

Some candidates may waive the education requirement if they were regularly employed in the insurance industry for no less than one year in duties involving sales, underwriting, or claims.

You'll need to upload specific documents with your online application, including a Complete Bond, Certificates of Character, and a Signed IdentoGO pre-enrollment confirmation/receipt.

Here's a list of required documents for public adjuster candidates:

Note that the specific requirements may vary depending on your state of residence.