If you’re looking into becoming an insurance adjuster, one of the first things you’ll learn is that you need a license. And you will quickly find out there are many adjuster licenses to choose from, depending on where you want to work and the career path you want to pursue.
Some states require a separate license for each line of insurance, like auto adjusting and property adjusting. Other states, like Florida and Texas, also have the option of a single license that covers all the different lines of insurance.
(Check out our post on how to become an insurance adjuster in Texas to learn more about that state’s unique requirements and opportunities.)
This article will clear up the confusion, covering what the all-lines adjuster license is, how it’s different from other licenses, and how to get it.
Whether you are just getting started as an independent adjuster, looking to expand into catastrophic claims adjusting, or applying as a staff adjuster, here’s everything you need to know about the all-lines adjuster license.
What is an all-lines adjuster license?
As a regulated industry, there are many different licenses when it comes to insurance. As adjusters, we are required to get an adjusters license. Depending on what type of claims you want to handle, there are often various licensing options that cover a single type of claim.
When looking at Florida and Texas adjuster licenses, the options are:
- Emergency license
- Property and casualty
- Public insurance
- All-lines
The term “all-lines” means the license covers all types of claims. An adjuster holding that license can handle any type of claim on behalf of an insurance company because it covers any line of coverage.
If you were an insurance agent, you would have to be licensed to sell specific “lines” of coverage. For adjusters, there is a catch-all license that covers all the various types of perils and losses.
Many new adjusters hear that they should obtain a Texas or a Florida all-lines adjuster license. The two major reasons for this advice are:
- Texas and Florida all-lines adjuster licenses are easy to obtain.
- These licenses are reciprocal with many other states, and can be used to bypass other state licensing exams.
Next, I’m going to cover which state license you need to obtain and the steps you’ll need to take for both of these states.
How to get a Florida all-lines adjuster license
The correct adjuster license to get in Florida depends on whether you live in-state or not. It also depends on whether your home state requires an adjuster license or not.
Which adjuster license to get if you live in Florida: 6:20
If you live in Florida, you should obtain the Florida All-Lines Adjuster 6-20 license.
Which adjuster license to get if you live out of state: 7-20 or 70-20
If you live outside of Florida, and you already have a home state license, you should obtain the Florida Non-Resident 7-20 adjuster license.
If you live in a state that does NOT require an adjusters license, you can choose to designate Florida as the home state for your adjuster license. In that case, you should obtain the Florida All Lines – Designated Home State 70-20 License.
Steps to obtain your Florida all-lines insurance adjuster license
Here are the steps you’ll need to take to become a licensed Florida insurance adjuster:
- Be a United States citizen
- Be at least 18 years of age
- Complete a pre-licensing course and exam: AdjusterPro’s Florida Certified Adjuster Pre-Licensing
- Process and submit fingerprints per the Florida DFS fingerprint requirements
- Submit your Florida license application via MyProfile
- Maintain your license by taking 24hrs of CE credits every two years (based on license holders birthdate month)
I suggest the AdusterPro Florida CE Credit bundle to acquire your continuing education credits easily online.
How to get a Texas all-lines adjuster license
Here are the steps you’ll need to take to become a licensed insurance adjuster in Texas:
- Be a United States citizen
- Be at least 18 years of age
- Complete a pre-licensing course and state exam: AdjusterPro’s Texas All-Lines Adjuster Pre-Licensing
- Process and submit fingerprints
- Apply for your Texas adjuster license through Sircon (application fee is $50)
- Maintain your license by taking 24hrs of CE credits every two years
I suggest the AdusterPro Texas CE Credit bundle to acquire your continuing education credits easily online.
Which license should I get first?
Where you live and what your state requires will decide what license you should get first.
Our article on insurance adjuster license requirements by state walks you through which license to get first, or next, in your career.
Getting your adjuster license is the first step to a great career as an insurance adjuster. If you want guidance through every step of becoming an insurance adjuster, from licensing to how to get work, check out my free video course the IA Industry Orientation for FREE.
