How to Become an Insurance Adjuster in Texas
Texas is one of the largest insurance markets in the country and one of the most active states for catastrophe claims due to hurricanes, hailstorms, and flooding. The state offers a straightforward licensing process through the Texas Department of Insurance (TDI), with most adjusters completing a 40-hour pre-licensing course that exempts them from the state exam.
| Texas License Required | Yes |
| Texas Pre-Licensing Education | 40 hours |
| Texas Exam Required | Yes |
| Texas Fees |
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Texas Adjuster Exam Prep
Study outlines, sample question styles, and practical tips for the Texas licensing exam, built as a companion to this licensing guide.
Open Texas Exam PrepTexas License Types
Texas issues an All Lines Adjuster license that covers property, casualty, and surety claims. This single license type applies to independent adjusters, public adjusters, and staff adjusters. Staff adjusters employed by a single insurer may be exempt from individual licensing depending on the insurer's registration.
Texas Pre-Licensing Education
Texas requires a 40-hour pre-licensing course from a TDI-approved provider. The course covers insurance fundamentals, claims handling procedures, ethics, and Texas Insurance Code provisions.
Completing this course exempts you from the state exam. The course provider's final exam is open-book and can be taken from home, with pass rates exceeding 95%. This is the pathway used by the vast majority of Texas adjusters.
Texas Exam Details
If you choose the state exam path (instead of the pre-licensing course exemption), the exam is administered by Pearson VUE and consists of 150 multiple-choice questions with a required passing score of 70%. First-attempt pass rates are approximately 60-70%.
However, approximately 90% of Texas adjusters skip the state exam entirely by completing the 40-hour pre-licensing course, which includes its own final exam.
Texas Application Process
- Complete a 40-hour TDI-approved pre-licensing course (recommended) or prepare for the state exam
- Submit fingerprints for background check
- Apply through the TDI online licensing system (Sircon)
- Pay application and fingerprint fees
- Receive your All Lines Adjuster license (typically 2-4 weeks)
Texas Continuing Education
Texas requires 24 hours of continuing education every 2 years for license renewal, including ethics coursework.
Texas Reciprocity
Texas participates in non-resident licensing reciprocity. Adjusters licensed in other states can apply for a Texas non-resident license without retaking the exam, provided their home state has comparable licensing standards.
Texas Background Check
Yes. All applicants must submit fingerprints and pass a criminal background check conducted through the Texas Department of Public Safety and the FBI.
Texas Key Links
Texas Additional Notes
Texas is one of the fastest states to get licensed in due to the pre-licensing course exemption from the state exam. Most new adjusters complete the entire process in 2-4 weeks.
Continuing education providers for Texas. Course listings where published, plus a shortcut back to the CE rules in this guide.
Find Texas Service Providers
Looking for claims service providers in Texas? Search the Claims Pages provider directory for adjusters, restoration companies, investigators, and more.
Search the Texas Provider Directory Texas Department of InsuranceThis guide is provided for informational purposes. Requirements change periodically. Always verify current requirements directly with the Texas department of insurance before applying.
