# How to Become an Insurance Adjuster in Florida

_Licensing_

Canonical: https://www.claimspages.com/learn/licensing/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 issues several adjuster license types:

All Lines Adjuster (6-20) — Independent adjusters handling property and casualty claimsPublic Adjuster (3-20) — Adjusters who represent policyholders (strictest requirements)Public Adjuster Apprentice (31-20) — Apprenticeship path to public adjuster licensureStaff adjusters employed directly by an insurer are generally exempt from individual licensing.



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.



Complete pre-licensing education (required for public adjusters)Pass the state licensing exam via Pearson VUESubmit fingerprints and pass a background checkApply through MyProfile on the Florida DFS websitePay application fees and, for public adjusters, post required bond

All licensed adjusters must complete 24 hours of continuing education every 2 years, including ethics coursework and Florida-specific law updates.



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.