How to Become an Insurance Adjuster in Florida
Florida is one of the most active insurance claims markets in the country, driven by hurricanes, water damage, and property claims. The state's Department of Financial Services (DFS) oversees adjuster licensing and offers multiple license types depending on how you plan to work. Florida is also the most popular Designated Home State for adjusters from states that do not issue their own adjuster licenses.
| Florida License Required | Yes |
| Florida Pre-Licensing Education | 40 hours (Public Adjuster) |
| Florida Exam Required | Yes |
| Florida Fees |
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Florida Adjuster Exam Prep
Study outlines, sample question styles, and practical tips for the Florida licensing exam, built as a companion to this licensing guide.
Open Florida Exam PrepFlorida License Types
Florida issues several adjuster license types:
- All Lines Adjuster (6-20) — Independent adjusters handling property and casualty claims
- Public Adjuster (3-20) — Adjusters who represent policyholders (strictest requirements)
- Public Adjuster Apprentice (31-20) — Apprenticeship path to public adjuster licensure
Staff adjusters employed directly by an insurer are generally exempt from individual licensing.
Florida Pre-Licensing Education
Public Adjusters (3-20): Must complete a 40-hour DFS-approved pre-licensing course covering insurance laws, ethics, and claims handling.
All Lines Adjusters (6-20): No mandatory pre-licensing education, though courses are recommended for exam preparation.
Public adjuster applicants can also qualify through a professional designation, prior All Lines or apprentice experience, or a one-year apprenticeship (minimum 1,200 hours).
Florida Exam Details
The Florida adjuster exam is administered by Pearson VUE and consists of approximately 100-110 multiple-choice questions covering property insurance, casualty insurance, claims adjusting procedures, ethics, and Florida insurance law. A 70% passing score is required.
Florida Application Process
- Complete pre-licensing education (required for public adjusters)
- Pass the state licensing exam via Pearson VUE
- Submit fingerprints and pass a background check
- Apply through MyProfile on the Florida DFS website
- Pay application fees and, for public adjusters, post required bond
Florida Continuing Education
All licensed adjusters must complete 24 hours of continuing education every 2 years, including ethics coursework and Florida-specific law updates.
Florida Reciprocity
Florida participates in non-resident reciprocity. Adjusters licensed in their home state can apply for a Florida non-resident license. Florida is also a popular Designated Home State (DHS) for adjusters from non-licensing states.
Florida Background Check
Yes. All applicants must submit electronic fingerprints and pass a criminal background check.
Florida Bond Requirements
Public Adjusters must maintain a $50,000 surety bond with the Florida Department of Financial Services. All Lines Adjusters are not required to post a bond.
Florida Key Links
Florida Additional Notes
Florida is the most popular Designated Home State for adjusters from non-licensing states like Pennsylvania and Ohio. The state also caps public adjuster contingency fees at 20% for standard claims and 10% during declared catastrophes.
Continuing education providers for Florida. Course listings where published, plus a shortcut back to the CE rules in this guide.
Find Florida Service Providers
Looking for claims service providers in Florida? Search the Claims Pages provider directory for adjusters, restoration companies, investigators, and more.
Search the Florida Provider Directory Florida Department of InsuranceThis guide is provided for informational purposes. Requirements change periodically. Always verify current requirements directly with the Florida department of insurance before applying.
